This question has been asked so many times, and it gets the same answers always. It is never too late to invest in crypto. In fact everyday is a new opportunity, read more and be careful buying into ICO and you will be fine.
No need to invest in ICO, just invest in several altcoins that have the potential to be 2x or 10x,
yes, like ethereum, Tron or Ripple, coins with large market cap make investors comfortable, so hold for a long term
its really good idea for now, those coins were best in cryptocurrency market and have less risk if compared with another coins. in market investors have option in their must have portofolio. usually ethereum ripple and tron be this " must have " in their bag.