I find it useful to think of the coins in three core areas:

• Currency e.g. Bitcoin
• Platform e.g. Ethereum
• Utility e.g. Salt (lending built on Ethereum)

I think it makes sense to hold some core currencies and platform coins - less so, the utility coins (although there will undoubtedly be some winners that emerge over time).

By holding 'platform coins' you get an opportunity to hold a stake in the "real estate" that the utility coins will build on.