YFI is risky to invest for a long time. Because at any time these coins can go absolutely bad. Although I don't know what this project is like. But by 2017 there were some ICO projects that are now lost. So it is better to think of YFI short time. At present it is better not to invest in YFI coin. You can go to Bitcoin. The future of Bitcoin is bright. No one can talk about the price of Bitcoin. But Bitcoin can be trusted. Just as good news can take up to 20,000 from current prices in a matter of days, so bad news can go a long way.
Your advise is better. I also think it is not correct time for investment. Investment in crypto is very difficul. Volatility of token is the main cause. You tell to go to bitcoin. Yes right bitcoin future is better alltime.