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RE: Is it too late to invest into cryptocurrencies?
I had the same question while beginning a month ago. I invested in 10 coins and each coins' price has increased. 3 of them have almost gone up 10 times. I think you can still earn a lot by investing smartly. If you want to play safe then you should invest 35% in top 10 coins. Other 35% should be in coins that are listed from 10 to 100. The final 30% should be the coins that are outside the top 100 coins.
Great idea on diversification. Crazy at how many different coins there are. What wallets do you use?
I use desktop wallets for each crypto that is listed on its official website. Though I sometimes let the cryptos remain on exchange websites.