For $20,000 I will allocate 50% to bitcoin and the rest to 45% altcoins and will keep about 5% with stablecoins.
There are some altcoins that I think will increase well in the next cycle such as ENS, YFI, ASTR,... most of them are not in the top100 but I think their growth potential is quite large and will easily be pumped during the cycle. In the next period, especially they are in the areas that in the recent time the market has had great interest.