Trading is very hard and you could easily lose money and time by trading. If you want to trade, start with small amount, about 1% of your portfolio
And why ICO lending? There are tons of good projects instead of those evil ponzi schemes. Simply holding BTC, ETH, LTC or NEO, NEM ... any top high quality coins is already highly profitable.
For trading, the most important thing which you need to have is some very good amount of knowledge related to that of cryptocurrencies and above all you need to learn the trading techniques first. I will suggest you to increase your knowledge first and once you will be having sufficient knowledge, only then you should jump into trading. Otherwise, you will end up losing money.
Definitely, just bring knowledge anywhere especially in crptocurrency as this will take you to a good start and won't give you any panic at all, as the knowledge would be you weapon here, and it would come up you to a thought that most ICOs are shit and most of it are just existing to scam people by raising money and after that they would run away as if nothing happens so be vigilant in picking a coin.