My advice is to separate some money to invest in cryptocurrency for example in Bitcoin and Altcoin. The rest are saved in the bank. To anticipate the fall of the cryptocurrency exchange rate we still have a reserve fund in the bank. I myself did that recently. Before deciding to invest should first calculate how much we will invest and target for how long the investment.
When we say save or invest I prefer to save because when we say "save" its very useful to have savings which you can get at quickly in the event of an emergency or if you need access to your money at a set time.But when we say invest,its a long term goal,and we should be prepared to take some risk with your money in the pursuit of potentially higher rewards,but if we choose invest,we cannot assure if theres an emergency we can get easily.We should choose the right path in choosing this saving or investing,Just like bitcoin we should be get good oppurtunities that are given to us..