Personally, I prefer the 50/25/25 rule. I have about 50 % in BTC, 25 % in high cap Altcoins (XRP, ETH, Litecoin), and 25 % in lower cap coins (Mainly "shitcoins" I have mined). This way, I beleive I'm less likely to get REKT.
RE: What coins have any users?
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What coins have any users?