There can never be a better time than NOW,...to invest in crypto, Which is more Risky? thats subjected to your understanding and knowledge of how to acquire, use, store and invest/trade your crypto, u need to be careful because 1 mistake and you loose all control over your funds and unlike traditional banking system there is no support system which would be able to help you recover it.
Crypto system is here to stay and its getting steadier day by day, returns are insane and yes insanely volatile too, for those who complaining that market has crashed and gone down to be one third comparing prices during late Dec 2017 and Jan 2018, should know that even at todays price it's Still at more than 100% profit comparing it with June 2017....
Both Crypto and Traditional banking have there own risk factors and positives, if you already are having good credit history with your bank then majority of investment should go to crypto its a no brainer really, special now when market is stuck and stagnant since a while... invest now reap benefits in 3rd quarter :)
Good luck