Some ICO tokens are now in bargain and some of them offer a good bonus. If only i have money to invest, I would take advantage of the opportunity. I already have few prospect ICO's to invest, to bad my portfolio have already lost 70% due to the market condition. Been thinking to loan some money as i don't want to pass this opportunity.
It only remains for you to hope that ICO is not a fraud. And also that the market will not fall even lower, which is quite likely. Perhaps you should talk to more experienced people.