Thanks for all the input so far.

Let me clarify a couple of things...

I'm not asking about which or which coin to invest in. Since my original post, I bought some Bitcoins and then trade some into XMR and ETH.

Now I'm trying to figure out a way to get some XRP's into a wallet other than their Gatehub + gateway mess.

Also, I'm not buying and sitting. I'm watching the markets many times each day to try and grab a sense of how it's moving in order to shift currencies if needed.

Thanks.