I'm not a financial advisor, but if you're considering investing $20,000 in altcoins, it's essential to conduct thorough research and assess your risk tolerance. Diversification is often recommended to spread risk. Prominent altcoins like Ethereum (ETH), Binance Coin (BNB), and Cardano (ADA) have shown resilience. However, the crypto market is volatile, so stay informed about market trends, project developments, and potential risks. Consider consulting with a financial professional before making any investment decisions.