Handing your crypto to another person, involves trust and risk.
Investing in a smart contract, is trust-less, but yes the price could go down.
If I should give an advise right now on where to put your crypto? I would say a combination of SBD and STEEM/Bethehouse.online (ZETHR).
I'm fully aware of that, I've created ways to monitor it. But it's not that secured yet though.... Thanks for your advice. I'll lay that to heart