For current conditions, the crypto market is still affected by negative sentiment resulting in a decline in various crypto coin values. Coins that are worth holding now, I think btc, ethereum, altcoin, xrp or coins registered in the CMC are in the top 20, which is more suitable to hold.
Yes, you risk less when you invest in top-20 tokens. meanwhile, pay attention to the cheaper altcoins with the smaller market cap. Very often, they grow faster.