If ure looking for 3-5% growth per annum no need to look at crypto markets, you can have that by trading some more conventional assets. Or just hold main ones like BTC and ETH, though ETH is poised to outperform BTC in the future IMO.

Do not look for low risk in alts, there is hardly such a thing. Not many alts can outperform BTC or ETH, if you wanna trade them anyway, just avoid the mistake of benchmarking alts against fiat! Also focus more on crypto assets rather than coins