@d0n4ald as to which coins to hold:  It's anybody's guess where each individual coin is going to go.  Some will sky rocket.  Some will dump.  Anyone that says they know for sure is lying.  Do what you feel is best.

But, having 20 different coins means that it is going to take 20x longer to get a payout to your wallet.  And it means you need 20x wallets.

Personally, I exchange everything to BTC, and then when I get a bunch, I send it to a wallet that I control.  Maybe not the right thing to do.  Bitcoin was at $20,000 a few days ago, and now down to $14,000.  Round and round she goes, where she goes, nobody knows.