I think, XRP, BNB, SOL, and ETH would be the wises choices. Those are my top tier coin as of now. If I am going to invest now, my best choice is BNB. For my personal preference those coins are the safest coins to invest now, and profit is just a bonus. You can take short term and long term to the said coins.
Yet, final decision will be on your end, just my opinion and your money, your rule.
Personally I think Bitcoin is the safest and most trusted investment among cryptocurrencies. Bitcoin is the best coin for long term investment. However, among the alt coins there are some trusted coins, like Ethereum is one of the best alt coins for long term investment. BNB, SOL coins are both performing quite well, hopefully the year-end bull run will yield good profits from here. Although investment decisions should be made on your own, I think it's better to stick with investing in the top 20 coins.