First, fill up your portfolio for lower risk categories. Don't make high risk investments until you have met your quota for investments that will pay predictab

First, fill up your portfolio for lower risk categories. Don't make high risk investments until you have met your quota for investments that will pay predictable returns for any event short of the end of civilization, those that will pay predictable returns whenever the market hasn't just unexpectedly crashed within the last few months, those with a solid business model and a relatively secure customer base, and those that look promising and might just get lucky one day in the future. If you have a dollar that you could burn to ashes just for fun, you can spend that one on cryptocurrency speculation. That's gambling money. If you feel lucky, you can try to pick winners, but if you want to win in the long run, you'll need to just buy some of each one. Just weight your purchases by the estimated market cap of each individual currency. You'll end up with mostly Bitcoin, Ethereum, and Litecoin, and a little bit of everything else. Rebalance occasionally. For purposes of your future planning, just pretend that the value in your crypto portfolio is $0. Anything you put into it can drop to zero overnight, if a hacking/looting scandal breaks on the news right after you go to sleep. You're only allowed to count gains when you actually take them out of the crypto ecosystem and put them into some other asset class.