In my opinion I think no matter it is top 100 or not it's always risky to invest in this market. But I believe that we're in early stage of this market and personally I believe in the future crypto will be truly 'a thing'. But I would say that investing in top 100 project would be like few percentages safer rather than not a top 100 coin / token. Still, at last it's the community / marketcap who decide that.