Both are safe to invest. NEO has a lot room to grow this year we may see it. We may look into Monero, NEM, VEN imo every has potential.
Yes, I agree on your statement and view. Other than neo and ethereum, the other risk free coins will be VEN, XMR and NEM. These coins also have high potential and great technology. There is still plenty much of room for these cryptos to grow in the market.
XMR is know to have great security next to bitcoin in matter of transaction and is one of the most decentralized blockchain that exists currently. XMR also has an upcoming fork on 14th of march, so we are surely gonna see some spike in the price.