I'm asking cause I wanna dump a good portion of my income into a btc savings, just not sure if I should while its hit a nice 200k nzd or if it may drop down for a period and climb back up
Just decide how much you'll allocate each month to Bitcoin.
500 NZD or less, or more, that you'll invest in Bitcoin regularly. You don't have to wait until you reach 200,000 NZD to buy.
Many experienced investors once felt the same way, but now they're no longer unsure about Bitcoin, given the available data that shows it's different from other assets.