If you invest, your chances of loss and profit will be equal, why not stay in the token and you will keep the investment, but if you make a profit, you will reduce the chance of profit. But above, if you keep your savings in the bank, then you will give percentage on that money, like ten percent from your side or persen, in that case, you are getting a profit in a year, but if you invest in Ulta, you will get cash profit. But I believe that if you understand well, then you will not invest your money.
But i think investing from altcoins is always best because there is no fixed percentage of profits so the amount of profit from altcoins is enough to make you rich. Moreover if you keep the money in the bank the percentage of profit calculated for a certain period will be much less. But if your capital amount is big then it is better to keep it in the bank because there is more security of your money and more profits.