Im a little bit confused as Im new to this my friend is making a fortune from ripple but not actually owning any as he is investing in it, is this better then having ripple sitting in a wallet?
don't trust what others tell you. no offense to your friend but most of the times people who say they are making a fortune are full of shit
it is possible though. it is a high risk that you can take and make a lot of money if you invest a lot of money. you can see how these altcoins are getting pumped hard to the moon. so if you throw some money into one of the coins that is getting pumped, you make a lot of profit.
XRP went to $3 in a short time from less than 1 and you could have invested $10000 and made it to $30000
but the question is, "are you ready for losing that much when you make a mistake?". and that is the risk of it. your $10000 can turn into $300 just as easily.