I think it's important to diversify into things that have value held in hand, such as gold and silver bullion. Some collectibles will also do well over the coming months and years (as lockdowns continue and people work from home more).
I do have a tiny bit of ADA, which I bought when it was at the bottom, just for a test. I didn't get enough to make a difference, no matter how high it goes! Oh well. Also, the wallet no longer supports Windows 7 users, so I'm locked out of my funds anyway.
I have a bit of BTC on steem-engine. I haven't tried withdrawing it to a private wallet. Aside from the 1% fee, is it safe and reliable? I assume if it wasn't, I would have heard about that by now.
I do have a little bit of LEO. When I got my CUB, I bought a little more when it crashed, then sold a few days ago when it bounced. Now I've got none and that's good because I don't really understand it.
RE: What to HODL for long term?