I have never calculated the percentages but my majority of the funds are in cryptos because I know this market can give me a good return as compared to the banks. I know it's risky too but I took the risk, on the other hand, I save some money in the bank in case of emergency and I can withdraw money to the bank whenever I need it urgently as my exchanger pays me instantly to my bank Ac but I won't advise to anyone to invest most of the funds in cryptos.
Holding with patience is not easy for everyone. It is easy to say hold and earn profit. You well said it depends on one's expertise. Yes, those are now in loss if they hold it patiently they can again be in profit but nothing is sure-shot. Buying dips is always profitable But it's not easy to decide when to exit or buy because we could not judge the trend at first but when understand it time passed to sell it.