I think it the such the bad decision if invest you saving in the crypto, the market is depression and unstable in this time, for me, I would like to invest the part of your money, buy one or two altcoins in this time for the long term investment, if the market growing, you will earn some money.
You can visit the Ethereum official page https://www.ethereum.org/token , they have the tutorial step by step create your personal token, but I don't think this is the real project, you just create the token without the team copy and paste the code inside it, it easily and you can try it free.
Impossible altcoins better than bitcoin, you can find that when the bitcoin price dropped, all the market include the altcoins price is all decline, when the bitcoin price rise again, the altcoins still have not raise, I think if the bitcoin end in someday, all the crypto is end too.
Yes, I agreed to you, I have not invested in any ICO in this year, many scammers create the scam project or the shit coin, actual they have not any technology or project in the Blockchain, also they will disappear after the ICO, they all lost the money.
In my opinion, the cryptocurrencies just are another investment tool to earn your money, they have great success last year, after that the market drops everyday, and I think still have many problems in the crypto world without the solution.
Ethereum current price only USD231 per one now, this was the lowest price since this year, if you trust in the Ethereum, this is the good time to invest it, but I have not idea when will the Bitcoin price rise again, so I would like keep Bitcoin and wait it boost again.