I think the coin for you is STQ, aside that before you choose a coin consider coins that have their own blockchain like ether, xlm, neo, Remme.Because this days transaction fees for transferring coins on other blockchains are outrageous
It is never too late to invest in altcoin or other tokens. It's just that you need to set a period of time to invest. Do you want to invest long-term, medium-term investments or short-term investments. And also you need to know more about the coins you want to invest.