Top-20 coins in coinmarketcap, but some coins is very bad decision to invest. For example I hate ripple because it's a centralized coin and except for popularity , coin doesn't have future. In one moment this coin can become a scam .
I also hate it like you, And most people hate it. But maybe it will not scam and will grow strongly in the future. Because it will always be pumped.
I would say that EOS is the most ambitious coin in top 20, probably EOS will replace Ethereum, but firstly EOS should make x5 at least. I bought it on 5$, it will grow up anyway.