If that's all you manage then you are correct to avoid speculation of any sort. Bitcoin was speculative and rising, now it is speculative and falling. Alternatives to bitcoin are more interesting, and even more speculative. That bubble is just starting.
>>Alternatives to bitcoin are more interesting, and even more speculative. That bubble is just starting.
Agreed 100%. In particular, I favor Ethereum, but there are several other platforms that could dominate niches.