Now is a great time to get involved with ICO's as they are quickly evolving into the IPO model where only the super rich are allowed to buy in early. Make hay while the sun shines and try to get into some great projects while you can. Most businesses fail, and ICO's are no different so try to diversify.
Fortunately there is another progress to make more and more projects community-driven by distributing coins and token through faucets or proof of promotion rather than feeding the whales. Besides that alot of ICO's sharing their assets in that manner seem to be unsuccessful with declining value after they get listed on exchanges.