Hello Thomas,
Welcome to the forum! Of course, all of the decisions about the investments you should make on your own, since nobody else will be responsible for your losses in case things go South. About the losses, you intend to invest $20k. For me it would be the hell lot of money, more than I ever had. If for you it's something you can lose without getting absolutely frustrated, left without means of existence etc., then fine. The market is risky, there are no guarantees, so don't invest what you can't afford to lose.
As for the distribution, I would also reconsider Ripple, since it's a centralised coin, so the price might be regulated. I would also rethink Stellar. But otherwise it seems like a good idea. Good luck!

You got a lot of capital but you have to think well if you'll invest all of that money in crypto. It's still the best time to buy and hold since the market is on its recovery process. If I will be in your shoes, I would choose Bitcoin and Ethereum because I have seen how it struck high last bull run and we're never far from that possibility. Just make sure that you're ready to take all the risks before investing. Good luck to you, Op!

Don't go all in right now.


https://twitter.com/filbfilb/status/1128964300469669888

Start with putting $1000 every week on whatever coin (I would do %100 btc btw) you like. (that's called dollar cost averaging)

If this pump keeps going, DCA would make you less money (than going all-in) but did you consider what if it goes down? Then, you'll be making less by going all in. (in other means, you'll be missing the chance to buy cheaper)

If you put $1000/week ($4k/month) you can DCA for 5 months. Personally I would go with $500/week but ofc its your choice. If I sound dumb to you completely ignore me. I don't have any idea what I am doing too.

How about privacy coins like XMR (Monero)? And if you are willing to take a little bit more risks I can imagine BNB (Binance) is also a good decision.
Personally, would decrease the amount of XRP and XLM and go for XMR and BNB instead. Especially Ripple XRP is only a huge marketing gag. I'm also not very convinced to put money in LTC, it'll be outperformed by Bitcoin in my opinion.

But I think it's already a good decision to set BTC as your biggest bag, 50% BTC is a good number.

However, final decision is up to you.  
Good Luck!

All you investment bifurcation seem good, I see all these coins as potential coins. I would like to go for investing my $20K like you if I had this much of amount into my wallet. I want to suggest you something on managing trades. Since you are investing a very good amount, I would recommend you to set a target for each pair so that you do not regret if it comes down after hitting the target. Planning at trade and executing it well will not let you regret at any point of time.

Y'all are awesome. Thank you!

this were all good choice of coin in the market, it always has a good volume day by day so you dont have to worry about putting your money on it, just a friendly advice, do not be greedy and have a patience.

I don't think it's practical to invest all of that money all in crypto but it still depends on you.
Just be sure to consider the choice of good coins that you're investing with. Also, you have to check if those coins are still going well. Btc, Eth and Ltc for me are good coins. You could put a larger percentage of it in bitcoin since the price is getting better.

People invest millions in this market and op must be aware of the risks which is why I don't agree with your statement that going all in is a bad thing. Instead, I advise op to go all in into BTC and forget about other cryptocurrencies and HODL for the long term. This is the best option in my opinion.