My personal advice,

For ICO ---> use credit card where possible.Most credit card disputes allow you to dispute payment 120days-180 days after making the charge if the transaction is believed to be fraudulent

Another way is to invest in many potential ICOs with small amounts. Being a technical person I can tell you that most ICOs will never deliver.

Third way buy the token once it hits the exchanges, prices in most cases have always fallen once the token hits the exchanges, then buy in.