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.
ICO projects are those where the coins being made or develop by a team promoting their project which encouraging investors to invest with them and in return they will going to receive tokens and later on that tokens will be coins after being listed in an exchange. Anyway I am not fan with NEO maybe EOS will do more good than NEO look at EOS platform and their marketing strategy it is all good and they achieved good market cap volume and landed in the a good rank in coinmarketcap.com.