As much as possible you diversify your money. As the old saying goes, "Do not put all your eggs in one basket". Diversification is the key so that if for example your investment online like (stocks/cryptos) crashed (It is possible), you'll have a reserve money for you to get on with your loss. All investment have risk involved, the only difference is how much risk? So better to save money for emergency purposes, invest it online , invest in real estate for capital gains and buy gold because all with a limited supply will have greater value in the future.