Should one keep money with oneself or should it be invested for future?

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These days crypto market is very low, shares are also going down and it seems that economy will go further down. So, whatever amount we have should be kept for the future. But, it is also a good time to invest on such things like cryptos, shares and precious metals. What do you think? Should one keep money with oneself or should it be invested for future?

• Kept.
• Invested.
• Should adopt balanced approach.
• Invest in cryptos only.
• Invest on gold etc.
• stock market.
• Should invest in real estate. * Answer the question at dpoll.xyz.