yes you are in a critical position. i was too at that time. please be patient and observe the market. what i say please convert your fiat to eth and then invest on ICO's. thats the better thing now. thats how i came from the losses. my recommended ico's are now wepower,arkblock,medichain. if you think investing on coins the best options. i can recommended to you wabi,sia,xrp,ins. but better 70% capital put for the ico's
Yes it must good to invest ico for now, but you need to choose wisely because some ico are not good so it depends on him what should he do.