i realize say na who dey alive dey do investment,
Lol Omo this part make me laff I nor lie u but Is true sha cos if any thing sharp investment go dey there Omo nah life first. But well sha u quick replace right choice. Most people nah for their investment dem go tey hold body for this Christmas wey dey come so. Nah normal the holdings still continues 
Swears...
Na em make dem say, Plan A is a good Plan, but Plan B is a better Plan, while Plan C is unbreakable. When e done reach the level of nothing else to put hand to, omo, na that savings or investment way person don de do for long na em go take continue life oh, just as you talk, na person way de alive go fit continue with investment. Live!
For me, I de handle am in a way, way be say, online funds remain online, except, when online need upgrade for em tools and equipment, na I de collect from there, otherwise, I de do everything possible to stay off online funds, while my work and business for real life de handle real life issues and challenges as well.
The way the country de go, na two hands person go take de find the money, otherwise, na hunger go clear person eyes. Anybody way still de meet up with 3 square meals, na big man/woman, cause e no easy to keep up with that standard for this country again.