The benefits in crypto to all holder is long term holding ,no matter how much you invest if you can hold for long you will smile after years ,let's take doge coin for example ,this particular coin was called shitcoins when it was revealed on bitcointalk and now who dare calls it shit coin ?for small time investors i will say he or she should only invest what he/she can afford to lose but long term holders? Its another thing entirely. Yes some coins will die in your portfolio but those that manages to survive will cover up for the ones that dies,that's the risks involved