Investing twenty thousand dollars in just altcoins seems too risky in this bull market.  So if I have the ability to invest $20,000 then I would definitely invest $10,000 in Bitcoin as the first choice.  The remaining $10,000 I will divide into five parts and invest in the top 5 coins in the coin market.  I don't want to invest in any new altcoins but the best old coins in the coil market have a high chance of price correction.