2. The money I have is what is left after investments. And I think I might not need for 3 to 5 years.
The best way to save up more and get a better ROI at the moment is buy up Bitcoin. Yes, even if you've bought already but you've still got some loose change; buy again. Bitcoin, from historical data, is as safe an investment this year (till probably 2025), given to the event of its halving coming up in April. Expectations of price spike are there and no one here should miss that. Don't keep your funds in stable coin/assets now. That will be tying up your funds and allowing it be swallowed up with no additional value. On what asset to convert to safeguard your funds, I like my stablecoin in Tron (USDT Tron). Besides, if you're good at offline investments (traditional trading) you may want to also try your hands on that and make some profit from such. 
Topic: Where to keep/park (airbag) funds? (Read 145 times)
If you just want to keep usd safe, putting it on a bank would be safer and may earn you larger interest depending on where you are. Bank themselves are not invincible but regulatory measures mean public's deposit are always safe. If you want the usd to be in ready position to get into a crypto, than you can stake it on flexible or fixed savings on Tier 1 exchanges. The problem in Celcius and Nexo are an example why such lending and investment platforms might not be a good business model. Lastly if you intend to invest in crypto, you should just do it.
For the long term usdt does not give you significant benefits, including when the bear market you will not be too affected, Maybe this is the best way for someone who wants to take a break from trading (waiting for the moment for the entry point to buy) and still chatting on the blockchain to store his assets. and free even though the asset is small the value will remain the same, rather than storing other than in crypto.
For some people who get crypto for free, it will be much more relaxed to park funds wherever they want including retroactive tasks with airdrops. or on any exchange and I choose a tier 1 exchange, although some people prefer to benefit at their own risk DYOR.
For usdt I also still often use and is a favorite pair than with crypto (altcoins) with high volatility, it is easier because it only focuses on analyzing the coin to be bought.
For some people who get crypto for free, it will be much more relaxed to park funds wherever they want including retroactive tasks with airdrops. or on any exchange and I choose a tier 1 exchange, although some people prefer to benefit at their own risk DYOR.
For usdt I also still often use and is a favorite pair than with crypto (altcoins) with high volatility, it is easier because it only focuses on analyzing the coin to be bought.
As safe options for parking your savings for a few years usdt(on eth blockchain) it seems like an excellent choice to me, i think it is supported by hardware wallets, even gold is not bad, with a minimum of risk, you can stake the usdt on some cex interest can reach up to 10%
Say you have some amount of your capital free and you want to keep it in a safe place.
Where would be that place?
1. Stable coins?
1.1. USDT?
If it is USDT, then on which network or wallet?
1.1.1. USDT on Ethereum?
1.1.2. USDT on Solana?
1.1.3. Maybe hard wallet? Is it even possible to keep USDT in a hard wallet?
1.1.4. Other options?
1.2. BUSD?
1.3. Other options?
2. Convert it to fiat and send it to bank?
3. Maybe some index funds? ETFs? VTI?
4. Gold?
What would be safest option?
Edit:
1. Did some edits to make it more clear.
2. The money I have is what is left after investments. And I think I might not need for 3 to 5 years.
3. And of course BTC is bigger part of the investments. That is for sure.
The money you have is not needed for you in the long run that makes the fund to be a great choice for long term investment and you said the big chunk is already in Bitcoin so better find other ways and outside from cryptos if possible.Where would be that place?
1. Stable coins?
1.1. USDT?
If it is USDT, then on which network or wallet?
1.1.1. USDT on Ethereum?
1.1.2. USDT on Solana?
1.1.3. Maybe hard wallet? Is it even possible to keep USDT in a hard wallet?
1.1.4. Other options?
1.2. BUSD?
1.3. Other options?
2. Convert it to fiat and send it to bank?
3. Maybe some index funds? ETFs? VTI?
4. Gold?
What would be safest option?
Edit:
1. Did some edits to make it more clear.
2. The money I have is what is left after investments. And I think I might not need for 3 to 5 years.
3. And of course BTC is bigger part of the investments. That is for sure.
Keeping the money in USDT is the worst possible decision because the value of Fiat will decrease so if you have 100 USDT then it's value in terms of purchasing power could be $70 or even lesser in the next 5 years.
Say you have some amount of your capital free and you want to keep it in a safe place.
Where would be that place?
1. Stable coins?
1.1. USDT?
If it is USDT, then on which network or wallet?
1.1.1. USDT on Ethereum?
1.1.2. USDT on Solana?
1.1.3. Maybe hard wallet? Is it even possible to keep USDT in a hard wallet?
1.1.4. Other options?
1.2. BUSD?
1.3. Other options?
2. Convert it to fiat and send it to bank?
3. Maybe some index funds? ETFs? VTI?
4. Gold?
What would be safest option?
Edit:
1. Did some edits to make it more clear.
2. The money I have is what is left after investments. And I think I might not need for 3 to 5 years.
3. And of course BTC is bigger part of the investments. That is for sure.
Where would be that place?
1. Stable coins?
1.1. USDT?
If it is USDT, then on which network or wallet?
1.1.1. USDT on Ethereum?
1.1.2. USDT on Solana?
1.1.3. Maybe hard wallet? Is it even possible to keep USDT in a hard wallet?
1.1.4. Other options?
1.2. BUSD?
1.3. Other options?
2. Convert it to fiat and send it to bank?
3. Maybe some index funds? ETFs? VTI?
4. Gold?
What would be safest option?
Edit:
1. Did some edits to make it more clear.
2. The money I have is what is left after investments. And I think I might not need for 3 to 5 years.
3. And of course BTC is bigger part of the investments. That is for sure.
Good enough you that you said you might not need it for 3 to 5 years that means you should be considering Bitcoin which can serve for severally reasons, Bitcoin is save enough to hold your investment for at least 5 years minimum where after you will decide whether to sell your investment or to hold more longer and have compounded value of your investment over time.
If you don’t need it then just put it back into investment for holding.
Since you would not be needing it for 3-5 years, I suggest you put it into bitcoin instead of trying to find the new next big thing and then lose all your profits. At least in bitcoin you can hold there for as long as you want and still have your money grow and you can also still take it out as needed.
I personally wouldn’t want to put it in the bank as its value will just decrease.
Since you would not be needing it for 3-5 years, I suggest you put it into bitcoin instead of trying to find the new next big thing and then lose all your profits. At least in bitcoin you can hold there for as long as you want and still have your money grow and you can also still take it out as needed.
I personally wouldn’t want to put it in the bank as its value will just decrease.
because the future is uncertain, nothing is safe for any of the network.
but if we could just assume, i would just pick the cheapest way to send the token, and most likely SOL or the BSC. when you say park means keeping it there for a long time right? keep it so long as you have the priv key.
if i have to decide on it. i will keep the USDT on exchange and stake, it is easier to move to BTC when the price is ready to bounce gain.
I will convert it to USDT and keep it.
Does it matter which network you keep your USDTs? Turns out USDT is available in many chains (On Tron, Ethereum, Solana, Avalanche and etc) . Hence the question. 
1. Those usdt can be stored on hardware wallets or multi chain cryptocurrency wallets that you can install on airgapped devices.
2. Converting to fiat and sending it to banks? Mate the usdt his already in fiat because it is pegged to the usd already. The only difference is if you are going to save in another currency that doesn’t have value like the us dollars then it is ok to have them in usdt but it is still fiat to me.
3. There is stocks or bonds to Also look at.
4. Gold in my opinion after bitcoin is the safest asset to invest in without the inflation risk. But sometimes the storage are the problem.
The difference comes only when you wish to withdraw them out, the gas fees is definitely higher base on each chain congestion. Ethereum is the highest, currently you need more than $10 for a single transaction through its chains including usdt also whereas others are not more than a $1
2. Converting to fiat and sending it to banks? Mate the usdt his already in fiat because it is pegged to the usd already. The only difference is if you are going to save in another currency that doesn’t have value like the us dollars then it is ok to have them in usdt but it is still fiat to me.
3. There is stocks or bonds to Also look at.
4. Gold in my opinion after bitcoin is the safest asset to invest in without the inflation risk. But sometimes the storage are the problem.
Does it matter which network you keep your USDTs? Turns out USDT is available in many chains (On Tron, Ethereum, Solana, Avalanche and etc) . Hence the question.
The difference comes only when you wish to withdraw them out, the gas fees is definitely higher base on each chain congestion. Ethereum is the highest, currently you need more than $10 for a single transaction through its chains including usdt also whereas others are not more than a $1
I will convert it to USDT and keep it.
Does it matter which network you keep your USDTs? Turns out USDT is available in many chains (On Tron, Ethereum, Solana, Avalanche and etc) . Hence the question. 
It depends on how long that I would need the money. If I would not need it for a long time, the Bitcoin is the best assest to buy. This is because those altcoins you mentioned is not safe and have no potential compared to bitcoin. If my country's currency far low to the value of USDT and I would be needing the money soon, I will convert it to USDT and keep it. Gold is better, but bitcoin is the best option for me, and I don't like keep idle funds in the bank, because it loses its value as time passes by due to inflation.
I am assuming bitcoin is excluded cause of this part of the post:
From the list given, the best option will be gold or keeping it in fiat. Holding in stable coins does not protect from fiat inflation as they mirror USD value. It will be a good option if your country does not allow one easily hold USD and you do not want to hold your local currency due to inflation.
It is Gold and then USDT.
If this is capital you are free to hold for several years, Bitcoin will be the best option.
- Jay -
Say you have some amount of your capital free and you want to keep it in a safe place.
...it does not say that it is spare money you cannot afford to lose, but some free capital which you have at the time. But this does not explain the addition of ethereum and solana to the list.From the list given, the best option will be gold or keeping it in fiat. Holding in stable coins does not protect from fiat inflation as they mirror USD value. It will be a good option if your country does not allow one easily hold USD and you do not want to hold your local currency due to inflation.
It is Gold and then USDT.
If this is capital you are free to hold for several years, Bitcoin will be the best option.
- Jay -
I am also surprised why Bitcoin is so ignored on the forum about Bitcoin. Free money—isn't the forum full of advice on where to put it for storage? Need I repeat that: a cold wallet, a hardware wallet, and Bitcoin? The idea is not new as day… But yes, a wallet containing a certain amount must be accompanied by a reliable owner who knows how to handle it competently and carefully.
Bitcoin is your best choice.
First, Bitcoin blockchain is decentralized, the project is decentralized and no risk of blockchain rollback. If you pick Ethereum, Binance Smart Chain and other altcoin blockchains, let's Google and learn about their Ethereum blockchain roll back after The DAO hack, BSC halts some times because of hacks and more.
Second, with altcoins include stable coins, you can lose your fund if altcoin developers freeze your fund and even can burn it.
First, Bitcoin blockchain is decentralized, the project is decentralized and no risk of blockchain rollback. If you pick Ethereum, Binance Smart Chain and other altcoin blockchains, let's Google and learn about their Ethereum blockchain roll back after The DAO hack, BSC halts some times because of hacks and more.
Second, with altcoins include stable coins, you can lose your fund if altcoin developers freeze your fund and even can burn it.
Say you have some amount of your capital free and you want to keep it in a safe place.
Where would be that place?
1. Stable coins?
1.1. USDT?
If it is USDT, then on which network or wallet?
1.1.1. USDT on Ethereum?
1.1.2. USDT on Solana?
1.1.3. Maybe hard wallet? Is it even possible to keep USDT in a hard wallet?
1.1.4. Other options?
1.2. BUSD?
1.3. Other options?
2. Convert it to fiat and send it to bank?
3. Maybe some index funds? ETFs? VTI?
4. Gold?
What would be safest option?
Edit:
1. Did some edits to make it more clear.
2. The money I have is what is left after investments. And I think I might not need for 3 to 5 years.
3. And of course BTC is bigger part of the investments. That is for sure.
Where would be that place?
1. Stable coins?
1.1. USDT?
If it is USDT, then on which network or wallet?
1.1.1. USDT on Ethereum?
1.1.2. USDT on Solana?
1.1.3. Maybe hard wallet? Is it even possible to keep USDT in a hard wallet?
1.1.4. Other options?
1.2. BUSD?
1.3. Other options?
2. Convert it to fiat and send it to bank?
3. Maybe some index funds? ETFs? VTI?
4. Gold?
What would be safest option?
Edit:
1. Did some edits to make it more clear.
2. The money I have is what is left after investments. And I think I might not need for 3 to 5 years.
3. And of course BTC is bigger part of the investments. That is for sure.
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