Yeah, a combination of safer and pure speculation plays in my crypto holdings. Since, there are way too many cryptocurrency available in the market, I strongly believe that most beginners should consider Bitcoin and Ethereum as their biggest holding instead of others as no doubt in my mind that most of them will eventually fail like most startups do. Don't get me wrong, I am a big believer that blockchain is the future, but I also believe only a handful of cryptocurrency will success in the future. Of cos, if you are like me, want to buy a lottery ticket (like early Bitcoin stage), free feel to speculate some new coins. But don't bet your shirt on it as it is very risky. Anyway, If you also believe in blockchain, check out IBM as it has been investing heavily into this technology.