I would suggest keeping it liquid, if not only because of the loss in fiddling with the market. If you were to buy and resell, you’d have to assume you’re down to 80M already.
I wouldn’t suggest putting the money into stuff that’s ‘worth a chunk’ because the highest price stuff right now is rare mats that are guaranteed to fall as new content comes out. You don’t want to invest in the bleeding edge gears/mats because when they phase out with content patches, their exponentially inflated prices will fall back to normal demand for that level.
No to blessed shards either. The number of shards created and put on the market is dependent on the number of dedicated players (doing dailies) times the number of 240+ characters they have. My hunch is that the latter number increases every day and that the former is relatively constant (people who would leave already left). I think the only thing really pinning down the price of shards is the 300k reroll cost and the number of shards needed to transcend equips. The amount of demand for that will saturate, albeit slowly, for dedicated players, because gems are largely preserved per account (since you can reclaim them from one equip to be used in another). I also say this as someone who recently pushed a couple characters up to 240 just to get shards to sell, and in that time, the number of shards on the market at any moment went from ~5 to pages.
If you really wanted to invest, tokens are probably your best bet. It helps that tokens are effectively a necessity, but it hurts that you have to deal with the market fees at all. Their price thus far seems to be volatile to structural changes in the cash system (e.g. the sudden price increase after the shift in cosmetics to gacha), which is relatively rare. The other thing you need to consider is that there presumably aren’t 35 tokens on the market matching the cheapest price at this exact moment. So in order for you to invest in tokens, you’d have to buy some (which will take the cheapest out of the market) then wait for enough new ones to be listed to reach equilibrium price again. Depends on your schedule, but you might not have that time.
The best thing going for the worth of silver is the fact that attributes are so expensive. Despite the relatively high generation rate of new silver by players (via 290, warlocks and necros farming, etc), a TON of it is put into that gold sink. I personally think choosing to invest in items is a pretty hard gamble, but silver will always be applicable later.
(This is all my speculation so results may vary.)
