Depends what your looking for. If your looking for longterm gains and stability then you should consider Ethereum, NEO and IOTA. But I would for sure keep at least 50% in Bitcoin. Once crypto will hit mainstream adoption Bitcoin will be the first to gain.
Monero is surely a great cryptocurrency and had a great year like the rest of the top coins. It had a bright future ahead and is worth an investment but it wont replace Bitcoin at least not the function it currently servers (nor as a payment nor as gold).
It's not too late. This is just the beginning, we are far away from mainstream adoption. The price will go up 10x, 100x before that. You just need to be ready to hold Bitcoin for a longer period (1y+).
Bitcoin price went up only this year more than 10x.
Ethereum is for sure one of the best cryptocurrencies out there and reached huge adoption. I would for sure suggest investment in Ethereum basides Bitcoin.
They will not sure Bitcoin. If not for anything else the transactions are too expensive and too time consuming. A lot of banks are already using Ripple to do transactions.
Yeah I've got TenX card. You can order it only in EU atm. You order one in app and it's linked directly to your Bitcoin balance. You will need to provide your ID card.
After the Bitcoin stabilizes we will see another Cardano price pump very soon IMO. But the market cap is already very high, not sure how much higher can it go.