i am holding till 2020
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 $80, I'm still holding them thinking it will be more than how much it is. You will probably hold XRP until you'll withdraw it when there is the need for fiat.
I do the same
. I bought ETC at 10$ and the initial plan was to sell at 15 $, but now it is already 18$ and I am still holding them. I don't have a direct need for that money, so I can keep them and hope that the price will continue to increase.