Diversifying your investment into 10 coins or tokens is a good idea.  Anymore than that when you are just getting started will create problems.  The amount of hard drive space for 10 coins alone will be over a terabyte.

Bitcoin and Ethereum are both at a year low and I think it is a good time to buy both.

With ICOs, you must choose wisely.  Due diligence is key.  Do your research and invest in projects that solve the many problems in the infant space.