it's full of guru and other influencers ready to track the next record of bitcoin by a short period of time.
I think you can just forget their predictions, because 99% are just wrong. Ok price can increase after "some" time but when? and meanwhile price can collapse drastically?
I mean, in the past we have seen strong collapse in the value after touching ATH.
Select a wrong time for make an investment, it's a wrong move able to erase any profit or it can requires months or years to achieve a profit.
I don't think go "all in" in this phase is a wise solution. Price has already seen a skyrocket increase (500% in one year). Ok we are all bullish but this not means price can growth with the same ratio in another year (or two...)
About retirement funds... if these funds give you a future pension it's better save for this. If you feel confident exchange a small part...
Last but not least, altcoins suggestion... I made an experiment taking in account some "suggested coins" from this topic
https://bitcointalk.org/index.php?topic=2106360.0 "The next 100x or 1000x coin",
(people here trying to guess/suggest the coin that could receive a big pump during end of 2017 early 2018)
At December 2020, it means after 3 years, I get following results:
13,18% Reported a positive evaluation.
10.83% Reported a 0 (total loss)
the others just negative results (prices go down).
(full post here
https://www.publish0x.com/bitbollo-cryptocurrencies-blog/a-depth-analysis-of-bitcointalkorg-speculation-thread-the-ne-xpnnjwq )
Ok some altcoins have a positive outlook in a long run. But this is around 1 each 9 project!
Slightly better, 1 each 10 project can be a COMPLETE FALL (0 value!).
Even a positive result doesn't mean a better result then bitcoin itself!
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in pratica una pizza e una birra, ma meglio di niente, per sto giro offro io 
) 
