Well, one might convert some of his U.S.D to BTC or gold. I think it will be wise to converting into gold. Because as far as people have experienced BTC market is too much unstable and it can’t be trusted as a safety of money.
The amount of investment depends on how much you are capable of saving money from you income. For any newbies out there I guess the investment should be low as they don’t have experience.
Among the altcoin, NEO and Litecoin have good chance to survive in my opinion. These coins have great utility and transaction rate. But the chances of surviving depends on the acceptance of the people.
Market cap define the sustainability of something. Crypto declining it’s market value recently and for this reason it’s market cap also losing it’s quantity .