Do we have a universal wallet that we can use to any bitcoin and alcoins?
if it is for android phone wallet, then i am suggesting to use coinomi (
https://coinomi.com), coinpayment (
https://www.coinpayments.net) and jaxx (
https://jaxx.io). but coinomi and coinpayment have a lots of coins inside the wallet. jaxx can also use for computer by downloading the software.
i am not recommend to save your coins in exchanges because we need to safe our coins from attackers. beside that, if we are saving our coins in private wallet, we are holding for a long term and waiting the price is increase.