Putting money in the bank for a 5-year fixed deposit at 1.8% interest is nowhere near as appealing as buying BTC and ETH! I think 80% of savings should be allocated to BTC and ETH. That’s the most stable move! Whether it’s a bull or bear market, just buy when BTC and ETH take a big dip on the monthly chart and the fear index is around 10. Even at its worst, it’s still 10 times higher than the 5-year bank interest rate.