By default, you need to invest in bitcoin. And at least in other altcoins. Since the Ethereum update is expected in 2020, this will be the main mystery for us. we can always find ourselves at the bottom or jump above the clouds. There are hopes for Ethereum but they are very doubtful. So BTC is 90% of the investment, XRP is 5% and ETH is 5%. I think this is what the investment ratio for 2020 should look like.