I buy dividend stocks that pay me a dividend each quarter (3 months) and things people always need in good times and bad (toilet paper, medicine, energy, etc). Therefore I don't rely on timing the market - buying low, selling high (ie a capital gain - increase in share/currency price). Works for me (7 figure account). But I am intrigued with crypto - it can be 5-10% of your portfolio, ie fun money you are okay with losing.