for big risk you can invest in new project.
but for safety and long term you can invest on top 10 coin like btc and eth.
but from the gain altcoin will give more if that project success.
but you can also lose your investment on that.
for me $40k is a huge value and if i had it i would choose the safest investment and stay away from high risk investments with big returns. even for me CMC top 10 not all of them are worthy for long term investment, only BTC ETH and BNB are worth for long term investment.