It really depends on what your financial goals are. Everyone needs liquidity of some sort for short, medium, and long run.

A good way to structure your potential payout is invest a small amount in long-term risky investment which you have no control over, ie. Steem. A medium portion of your portfolio should go into investment that yields medium returns like crowdfunding, etc.

If you have no liquidity issues, you can skip investing in the short term like trading cryptocurrency, etc and simply hold fiat money.

This does not constituent an investment though. Here's my 2 cents worth of my investment approach.