Stablecoins are pretty much important these days. Why? They help you in the times of dip. Like when the market goes down, they continue to be 1 USD worth of value while you hold. So you should always have them in portfolio. It feels like losing some leverage when the market is good but you have to set aside some of the stablecoins so that you can handle market dips as well. TerraUSD and BinanceUSD are two good options if FIAT withdrawal is your plan. If investing is your plan then FlexUSD is another good option. But there are not many international withdraw options for it. If you are newbie then make sure to hold some stablecoins. For medium and advanced users in crypto holding 20% minimum in stablecoins is a good safety net. Again each portfolio and the focus of such investment varies. Do you save your crypto into stablecoins? Note: Not a financial advice. Just personal experience shared.