I think your approach is great! I am shocked that more people aren't taking your advice. The 70/30 Rule is something I myself am planning to do once I meet some predetermined goals. The only thing I might add is a small segment called chance. While there is a lot of money to be made with the larger value coins I feel like some of these like Reddcoin (reddit's coin) I am eyeing because they are fractions of a penny and I feel that they might have a chance of growing to a dollar or more one day... They are of course more risky... but the upside is that a small investment of 100 dollars can get tens of thousands of coins. Worst case scenario you lose a hundred, best case you become rich. Ultimately I think my investment will be 70/25/5(for chance).

Also Thank you SO MUCH for Crypto panic I will start using it daily!