Two things that I have noticed lately during my crypto time. 1. You have to convert to fiat at some point in your investment time. 2. You can't HODL forever considering many nations are legalizing their own fiat into crypto. At some point making an exit by selling your crypto is inevitable. You just can't escape from that. If you are under age 25, and decide to HODL the crypto then it'd be reasonable choice. If you have crossed 30 and missed out on a lot of financial lifestyle checkpoints of life, it's wise to sell some portfolio and enjoy the life. Because once the world legalizes crypto the it would force anonymous coins to reduce in the price according to some fiat value. Just my 2 cent. You may disagree considering your approach and future perspective maybe different than mine :)