The longer time you take to make your decision, the higher the price of bitcoin goes, so now should be the best time to buy and hold your bitcoin as the price is still increasing. As for altcoin, investing into altcoin will be a good way through. Altcoin like ethereum, bitcoin cash or investing into kick ico will yield you well at the time you wish to sell or convert to bitcoin.
Yes it is true, and it happened with me, i know bitcoin about a year ago when the price is $ 675, that's when i want to buy 2 btc, but i keep thinking and waiting price can be $ 500, ever down so 540 but up again and when last year $ 940 I bought 2 btc, was worried because the price dropped to $ 700 but I was patient and early in the year I sold $ 1,200,