Personally I believe in Stellar's XLM more; and they are aggressively pushing for big adoption now.
Go google for news about the latest developments (in SE-Asian countries, for instance) and find out why I have placed XLM as one of my main cryptos in my portfolio.
Totally agree with you @JuniAiko,
moreover I wouldn't be offtopic because here the question is between Ripple or Stellar,
but in my portfolio I added also a lot of ADA (Cardano)...

And I sold 50% of my Ripple in January 2018.