I think many are afraid to go and invest their money because let us all be honest, investing has risks and even if it is generally recommended there are still chances of losses occurring. But they should try to remove that fear because nothing will happen if they don't try to take that next step forward. A brave person is a person with big dreams
If you have no courage, you will never try investment. Sure, no investment with no risks. It is the reason why people must have sufficient knowledge firstly before they begin investment. If we have knowledge, we can deal with the risks and know how to invest in safe ways. Knowledge is something very crucial in investment, it will determine the success. So if we have enough knowledge, we shouldn't be afraid too much anymore. We will never reach our dream if we never deal with our fear. 
I pay attention to your explanation above, you added investment options for altcoins and you have to be careful in adding altcoins for a high investment budget, I think a 20% budget for crypto investment allocation might be feasible for altcoin investment to seek alternative profits, but the risks are very If you choose the wrong altcoin, the altcoin can lose its value and you will experience a total loss.
Sure, I am aware that I must be very careful when I enclose the altcoins investment. If you read again carefully, you must realize that I categorize altcoins investment as high risk investment. True, we shouldn't allocate big funds for altcoins because it is very risky, especially for random altcoins. Basically, I only recommend top altcoins only.