Investing is a high risk way of raising our money so we should be careful in investing especially in ICO, We should never invest anything that we cant completely afford to be gone like a bubble. Investing is just like gambling, we dont know if we will earn some or lose some, but if we do not try,, We will not have a chance of becoming rich.. So invest and invest those amount that you dont need.
YES Investing in crypto currency especially during ICO is really risky so invest only what you can afford to lose and of course I wouldn't recommend you to owe money or loan in a bank just to invest. Be wise and select only the ICO project that you think it will succeed and grow bigger.