Yeah! I will not be biased here and just simply discount what alts can do. The reputation of alts are tarnished because of the bad projects in the past but we can admit that there are really good and profitable ones existing among them. Just br careful on choosing because no one knows if you are already holding a sh*tcoin or not. So my advice is to hold reputable ones such as xrp, doge, ltc, eth, monero and other top tier coins. Don't out all your hopes in upcoming "promising" coins. Do not experiment this time because you are putting your future at risk.

But in my opinion, playing safe is the best option. So if ever I will make my own retirement plan, I will definitely choose btc all the way because that's the coin fall last if ever things don't go well :p.