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.
I agree with that, waiting is a good habit to practice since here, we dont have specific and stable date when to gain profit, and investment is always a good thing especially if you dont want to slemd your money unnecessarily while growing, but rest assured that you invest enough money which the amount you can accept to lose since, not every project becomes successful.