What are altcoins that are low-risk? Coins that would have 3-5% growth per annum?
NONEEEEE. 9 out of 10 startups don´t make it. SO low risk crypto doesn´t exist. About gut feeling? I would say any coins actively developed will give you that. You don´t know if tomorrow the best of the best doens´t get tired and vanish... So i would go for a diversified portfolio of coins ( that aim to be currencies ), tokens ( that aim to be payment means in good projects), dividend payment tokens ( such as the profit sharing fund TAAS).