Its true. The money invested to day will probably be your best savings that grows.
NEO is very much cheap these days, fill your wallets with it because that's the one that will give you passive income. You won't even have to work later on as you only have to receive your gas. I'm a supporter of the tokens that OP had mentioned except those FSN and ICOS that I never heard of.
Yeah, despite the fact that NEO is very cheap now we should remember that recently it`s price reached more than 150$ level. NEO`s community is also very big and lots of new projects (especially chinese ones) choose NEO`s blockchain.