Bitcoin as a first cryptocurrency is often used as a basement for forks. That means the whole blockchain will be cloned at some time point and your accounts with balances will be cloned as well. You can get new coins for free or even get bitcoins using exchanges. Every fork is used by hackers & thieves to steal private keys. For example, one of the Bitcoin Gold online wallets, that was recommended by Bitcoin Gold official site, was used to steal coins for a sum of 3.2 million USD. There are few rules that will protect your private keys.
A hard fork is a creation of a copy of the original blockchain with additional functions, fixes in the protocol. That may be a small change like a bigger block size etc. Or it may be a new feature like anonymous transactions.
There are a lot of hard forks already made based on bitcoin:
Usually, a lot of scam websites (online wallets) are created before each hard fork. All of them propose to get free coins by sending private key or recovery seed (phrase). Another option is a mobile or desktop wallet that may be used to transfer coins to cryptocurrency exchange. At some point, stolen private keys are used to transfer all coins to other address.
Here is an example of scam website mybtgwallet.com that was used to steal $3 million in bitcoins. Users were promted to submit private keys and recovery seeds.
If you will wait few weeks or even months you may avoid such a sad situation. But any way you risk losing bitcoins and all other forked coins. Because stolen private key fits all your accounts if you haven't sent coins to other address after hard fork done.
Before using a new wallet to access your forked coins you must transfer your bitcoins to a new address after hard fork is made. This new address will use a new private key that is not available at the forked blockchain. That means nobody can steal it because it doesn't exist in the new blockchain. Your old private key may be used to access forked coins. So you risk losing only forked coins in the worst case.
Wait for some time before use an official wallet. Let it be tested and proved to work correctly.
Use coinmarketcap to find supported cryptocurrency exchange. Find positive feedback about the selected exchange to make sure it works fairly. Made an exchange and transfer bitcoins back to your address. Don't store coins at cryptocurrency exchanges if you are not a trader.
If hard fork wasn't popular it may not appear at cryptocurrency exchanges. You will need to wait until that will happen.
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