Both the system and the rules for it sound very reasonable. However, I think that it is better to invest less than 19% into ICOs and you shpuld also separate icos from unpopular altcoins. The latter are at least surely traded, and prices don't get busted on this market, so one will probably manage to safe some money even while generally losing (oh, and there should be a limit of losses in percentage after which money from risky investment should be transferred elsewhere). ICO might just get you scammed, so you will not return any of your funds this way. I guess it puts them in different risk zones.