My few cents/pence/satoshis of thought:

1.) Golem, agreed. I've bought a fair bit and even though "Brass" is a fairly basic product, it already has a use and can generate its own value. (Too few currencies are just tokens that don't represent anything - speculating frenzies end, while useful products don't).

2.) Also agreed (though Monaco's already doubled in two days at the time of writing - that can be a good sign, or it might mean speculators have spotted it and the price is already at its 'maximum'.) But Monaco looks well worth a gamble, given they've not released the card itself yet.

[As an aside to the above - ways to use crypto in everyday life are a big boost to the whole sector, so investors should take note even if they're not investing in the card tokens - they will help drive up demand sector-wide]

3.) I've heard mixed things on Bancor - they have a lot of cash, sure; but they're also so ambitious it makes Elon Musk's plans to retire to Mars look tame. If they achieve even a tenth of their plans their coin will be bypassing the Moon and joining Elon on Mars - but the DAO last year was very ambitious, and their 'Moon Launch', well...

...so I'd be cautious about the tokens that promise the Earth, until they've got some solid work under their belts.

4.) Eos - again, be cautious. Their ICO is still ongoing and on any given day, you can "buy" tokens from them by contributing Ether (and they divide 2,000,000 tokens by the amount of ETH contributed in the last 23 hours, and give out that much to each contributor in proportion to their ETH contribution). That means if market prices race ahead, it's 'better' to contribute ETH to the ICO and get tokens that way.

I don't disagree that Eos is one to keep a close eye on (Much like Ethereum itself, and Neo/Antshares more recently) - but its ICO is a natural dampening mechanism on price changes.

Alternatively - it's a pretty decent safe haven while Bitcoin is halfway between its various forks and upgrades for much the same reason.

1.) (Again?) Steem is pretty low at the moment, but I'd suggest that's a platform problem - I spent two weeks getting authorised for an account, and two people I recommended it to as a good idea are still waiting and have basically given up and lost interest. I appreciate the idea, but that's a pretty epic scaling problem that could easily make Steem the next "MySpace" rather than the next "Facebook". I'm sticking in there but I'll wait for the platform to improve and streamline before I invest further.

BIG DISCLAIMER: I'm also not an advisor, so the best thing you can probably do is consider all of this "Food for thought"!