That's what I said back when LTC was still $3. After a while I saw LTC reach up to $10, I end up not selling it even today, it must be greed or whatever but I kept holding it hoping it will be more than $50 now that its almost $80, I'm still holding them thinking it will be more than how much it is.  You will probably hold XRP until you'll withdraw it when there is the need for fiat.