This is a very decent amount for investment and I recommend to distribute in several directions, for a long-term period about 30%, for trading 10%, for Ico 20%, and the rest to crypto-currency funds!
When people say diversify your investment, you can choose from differnet options. You can choose to invest in some plots in your country if they have good potential. Also buying Gold can help. Rest can be invest in forex and crypto. It really does depends upon your own choice. Everyone will recommend you accourding to thier own will and thinking.
Very true! I wouldn't limit $20k in crypto- it's far too volatile. Even if it weren't, I would still spread my investements into stocks, crypto & save some for emergencies.