My decision is to invest 40% into XRP, 30% into Stellar, and 30% into IOTA. The reason why I choose XRP is its connection to banks. The fact is that there will always be people who will not be comfortable working with cryptocurrencies directly. They will continue going to the bank. With that in mind, XRP seems like an obvious choice.
No other coin is that tightly connected to banks and financial institutions, and XRP has already partnered up with many of them across the world. Its products allow instant international transactions in a way with which most people would be comfortable - through the bank. So, while XRP's price is not in the best place right now, I believe that might change in the future.
Then, I choose to invest in XLM as well. As XRP's main competitor, Stellar promises pretty much the same, near-instant international transactions, only without the need for any banks. Stellar would be a great way for people to instantly send money to one another in a fully decentralized way. Finally, I would invest 30% into IOTA. The project's unique technology holds great potential when it comes to partnering up with various companies, especially with carmakers. The idea of sending the upgrades to cars via networks, instead of upgrading them manually has taken root, and IOTA is the most likely candidate to do it. It is also excellent for the IoT sector, which gives it numerous use cases, even if the project had sunk on the list of largest coins recently.