I think you should spend 25 percent to buy bitcoin ,25percent to ethereum, 25percent to buy other cryptocurrency and 25percent to buy a very good ICO.
if you want to try investing your money in ICO, i advise you to buy chynge (
https://chynge.net) softcap reached until now. Chynge is unique among FinTechs on blockchain in that we are licensed as a money transfer operator (MTO) in multiple jurisdictions including Singapore, Hong Kong, and other countries.