How to choose crypto currency

BTC, BCH, ETH, XRP, EOS, LTC, ADA...

Every day, new attractive ICOs emerge, and I feel that I want to invest all ICOs if I have enough budget.

Recently, there are many people called "ICO poor people", who run out of budget, because they participate in ICO's on and on.

I'm just a housewife with limited money, so I tried my best to focus on special currencies.

In my opinion, I considered such criteria to decide which currency I invest:

(1) Is it available for payment, now and future?

(2)Does it give us incentive for holding? (such as income gain)

(3)Does it have steady and visionary roadmap by reliable person?
（３）信頼できる筋の情報による、しっかりしたロードマップが示されたものかどうか？