I think there has to be a fine balance, never say never but with the current trends and plethora of project it makes sense to see some evidence that the team has the capability to deliver what has been promised at least a test alpha of a product.

So it is the Altcoin coins alternatives outside of the bitcoin. If never heard names like Ethereum, Dash, Ripple, Monero, Litecoin, and so on, they are Altcoin.

You can hold some eTH and and buy some alts. Get some cheap coins from the top 50-100. Look into them and see which ones you like and you think have potential for growth.

Invest 20% of your savings, if you hold bitcoin, then this is your investment, but if you want to increase the amount of your bitcoins, you will have to invest or trade on the exchange. Approach the selection of projects very carefully reviewing everything. After all, losing money is very simple.....