Of course, everyone has their own opinion, it's hard to make a wise decision on your advice. $ 200 a month is good for investment. A good sense to you to refer to the type of investment appropriate.
But right now, some altcoin have red spots right to invest, ripples and anchors are good choices. It has a way to grow in the future. The ico campaigns are also good and in line with your investment. Forms of loans are a good trend for you to trust. Please refer to my signature if you really care about it.