I want to invest in an ICO yet want to invest in something that can refund me in case I need to pull out the money for an emergency. Know any companies that honor that?
Finding ICO project that can refund your investment can be tough, but what you can do is research and find already complete ICO stage project and buy Tokens from the exchange. If you need your invested money back you can always sell Tokens on the exchange, and withdraw Bitcoins in ATM.
Recent ICO's proved that waiting a couple of weeks after Tokens are distributed and available on the exchange can be more profitable that participating in ICO (that should be theoretically cheaper).Each project is different, buying in exchange is less risky and still can be profitable for long-term investment. There is some ICO's out there that was SCAM and investors never received their Tokens.
Good advice is diverse your investment for example 60% investment in BTC and 40% in other alts/tokens.