I believe that this is a decision that each investor must make individually. Each one must assume the risks on their own, because that is how they will learn. Telling others what to do with their funds is something many "experts" do on Twitter, for example, and in 99% of cases it ends in loss of funds and in some cases bankruptcy. The higher the risk, the higher the ability to win and lose, so I think everyone should weigh that and act accordingly.