Investing in ICO s will be the best option for you because if ICO fails then you will get your invested money back and if the ICO will good you can get a lot of money from it...
That is not always correct. I know for a fact that sometimes you don't get your investment money back. So always study an ICO before you invest in it. Check thoroughly their white paper, if it is mentioned in forums, search the people behind the ICO etc. and then decide about making an investment.