Here is a list of 20 cryptocurrencies to consider when investing, taking into account their risk and volatility:

1. Bitcoin (BTC)

2. Ethereum (ETH)

3. Binance Coin (BNB)

4. Cardano (ADA)

5. Solana (SUN)

6. XRP (XRP)

7. Polkadot (DOT)

8. Dogecoin (DOGE)

9. Chainlink (LINK)

10. Litecoin (LTC)

11. Stellar (XLM)

12. Uniswap (UNI)

13. VeChain (VET)

14. Tron (TRX)

15. EOS (EOS)

16. Monero (XMR)

17. Aave (AAVE)

18. Terra (MOON)

19. Avalanche (AVAX)

20. Polygon (MATIC)

Always remember to do thorough research and understand the risks associated with investing in cryptocurrencies.