It all depends how well you chose in what project you want to participate,i ussualy try to find something interesting and that have high chances of going big so my coins earned from campaing are worth more.Also take a look  at how many people take part of that bounty because you share the profit with them and lower number of participants=more money for me

Consider that u post in JAN but now is MAR. At that time( notice the time i post ), the second market is more suitable for invest than the ICO. U could buy some coins in the exchange as they has dump a lot compared to the ICO price.

I believe that there is no danger in ICO, it is necessary to make the right choice where to invest.  The best, in my opinion, are projects that can improve a person's life, improve the present - this is modern progress.

Ripple is the only coin I want to see go to $0, It's all hype and misinfo, the banking edge is absolutely nothing, they don't buy the circulating supply yet the logic of all Ripple investors is the banks will buy it's price up, on top of that it's a centralised coin and offers nothing innovative or unique.