I think investing right now is a good time. if your looking for an ICO check out DCC because DCC is using Decentralized Credit, the user will be based on a personal DCCID; Decentralized Credit Chain ID. Instead of having a credit angency hold this information, each DCCID user in the ecosystemwill have a direct accessto their own personal data. Every users information will be encrypted  and stored in a cloud for easy access globally any time and any place. Because it's Blockchain-based framework, transactions and credit information will be protected.all of user's action will be transparent and can be easily traceable on the Blockchain.