I think one should have a basket approach. A little of everything. But don't diversify too much. I think one should have at minimum several of the more "direct ICO" that can be accessess via Coinbase (like Litecoin, Bitcoin, Bitcash, and Ethereum). You need the ability to exit and having a basket approach allows you to move across the board with all of the ICOs. Outside of that, I think XRP should be <5% of your basket.