If I had to choose, I would also definitely avoid Meme Coin because I would not bet my money on it, especially with such a large amount. I prefer to put 60% in ethereum and 30% Bnb and the rest can be channeled into other top 10 altcoins because if it's for the long term it's better for me to have old altcoins because if it's a new project I'm not sure whether they will last long or not