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.
30% for BTC - 20% for ETH 30% for few alts from top 20 ( pick any u like) and 20% left in some promising ICO that almost over and there is no lock up period.
May make a hint - Ubex. It is almost over and there are agreements with exchanages
If u have 20k only it is very big diversification, especialy 20% of deposit to the whole top 20& So u gonna hold 100-200$ worth tokens?