NEO is a good top ten coin that will see good returns I believe in 2020, but will it see the best returns IDK. For me if you want the best ROI you have to look for low cap coins that have good potential and are still currently under the radar. Imagine having invested in NEO when it was still Ant Shares. For me I'm placing a big bet on Spectrecoin, Xspec. Spectrecoin is a privacy coin that uses POS as opposed to POW to support it's network. With its tech it is among one of the few truly private privacy coins out there. It has a functioning product and a strong team behind it that is continuing to push the coin forward. If successful with their roadmap Spectrecoin could be at the head of the privacy class by 2019. This would push Spectrecoin into the limelight/ mainstream and the coin would see tremendous gains being a small cap. So at a price of around .29-30ish cents currently we could be looking at a value of $10 or more come 2019. This is not that far fetched as Spectrecoin already achieved an ATH of $6 in 2017 during the last crypto bull run with less resources and development behind it. This is definitely a coin to keep in mind if your looking for a solid return on your investment. As always patience is needed if you jump aboard.