Hi galingv,
important insights!
There are sites where you find similar advise, but it's always good to repeat :). Here are my humble quick two cents:

• a possibly good one from a known Dutch trader-investor: avoid ICO's...but invest (prior) in the coins of the platforms on which the largest-hyped upcoming ico's are built upon...as those joining the ICO's often must pay exactly with this 'underlying' coin (*)

• regarding diversification: this one supports the advise to certainly choose a couple of well researched small coins (too) because of their small market cap ... backed by a google spreadsheet with data from his own trading
  https://medium.com/@shanif/crypto-diversification-believe-it-or-not-you-actually-make-the-most-money-in-cryptos-when-you-29972f5141b

• regarding your fiat reserve... as far as my limited experience goes, if your exchange supports no fiat, you can use USDT instead of fiat too. As such, you don't need to "bring it over" from an exchange or wallet everytime. [Curious what others have to say...]

• often heard advise: choose coins with a project...and avoid getting trapped in pump&dumps. More like this, you can read in this cool trading strategy tips longlist:
  https://chrisdunn.com/50-crypto-trading-investing-lessons/

• ...all the best :)

Hasse
#crypto #portfolio #investing

(*) (in Dutch)