I like this strategy and it makes a lot of sense. However, I can see a parallel here to the way my 401k works.

When you are young and eager, and have years of investment in front of you, you can put your 401k funds into highly aggressive volatile investments for a chance at increased gains. But as you get older you want to look at the more stable, predictable, steady income streams.

It seems almost like the top 20 in marketcap are your steady gainers. Whereas the new coins are the highly volatile stocks that can boom or bust.

I would like to get to a point where I can allocate proportionately say 70% top market cap to 30% new coin with boom potential. This will give both the "can sleep at night" profitability of the top market cap, along with the thrill of the daily fluctuations of the newest currencies.

But maybe that is just my desire to get a little thrill of seeing something I bought go to the moon.

Nice article! Thanks @cryptoeagle.