As BTC, Fiat and Gold all three have both pros and cons. which one is better for multiplication of money in present circumstances and where risk is found.
1. BitcoinIt has no physical form, but can be tracked and everything is recorded on the ledger (blockchain). Has a definite rarity of only 21M total supply & managed to prove that this asset is a good asset to multiply your money for at least this decade.
2. FIATI don't want to talk about this one because it doesn't make sense.
3. GoldThe opposite of Bitcoin (BTC) itself, Gold has a physical form, is rare, but doesn't have a definite scarcity value which makes the supply continue to increase as the years go by. A safe investment, but you won't get any surprises in this asset from the investment you make.
Just like @apogio, I don't want to advice anything, you just choose which one you think is better, if necessary, you have to do your own research on all of it.