what do you think about altcoin,do you think is the time to buy? am afraid because all my money is heading to zero..

I could not disagree more. The crapcoins and garbage coins are dying because people are waking up and realizing they need to be more selective about what they invest in.
Good projects like: Linkchainx (they are having an interview with Skrilla King Oct 2nd at 1 Pm EST and CryptoBeadles on tuesday) which has a MVP for contracting (think upwork and fiverr but better). Xlm (self evident). Mfchain (crypto to fiat with MVP that only needs smart phone), Credits (later gen of speedy scalable blockchains that has a proven speedtest) and a few others. Tapcoin-Hooch (reward coin that is already working all over the United States where you can get huge discounts on hotels, free drinks, and other rewards).
The common denominator here is that all of these projects actually are useful, they have a MVP or are extremely close, and solve a problem or makes life better. They don't give us some vague description like using A.I to analyze big data (which a million firms in non crypto world are doing). I am not saying they will all work out 100 percent but they have great potential because they are filling a want/need that hasn't been addressed in either non crypto world or crypto world.