I'm not trolling, but you are probably right. There is a good chance I will lose my money because I don't buy and hold Bitcoin, Ethereum or Litecoin. I invest in projects that use tokens through the blockchain and it's been doing me good, but it's still cutting edge. But easier to lose out on. I got myself in with a group of folks who make 1000's a day on crypto and they give me good tips which has gotten me some good profits.
But, it's a volatile market and easily manipulated right now. So for most people I would say if you want to invest, but are scared of losing out on those projects - just buy Bitcoin, Ethereum, and Litecoin - hold that shit. Don't look at it for a year. It'll go up and down a lot in that time.
There's also a crypto called DASH which has a main focus of being used by Marijuana Dispensaries because a lot of those companies have been seeing banks freeze their accounts. It is currently up 7 percent in the last 24 hours. Could easily have sold that, cashed into litecoin or ethereum and sent to my bank account for "real money" if I wanted. But nope, I'm a keep accumulating.