Hi have been following the markets for a while, and I think it really depends on what you im to achieve. As you know things are very volatile and nothing is nailed on.

I got rid of my xrp, had been in it for a while and personally think that Ripple will replace swift, but don't see xrp doing much. That could e a regret in the future. I think the future lays in the IoT and privacy. So thats where my money is.

IOTA has a lot of FUD surrounding it, but i think it will be great in the future, if it continues to be aseen by large tech companies as a way to make M2M work.

For Privacy, Deeponion is great, and undervalued. Go for something with a smaller market cap, is my advice. Some Privacy are already highly priced.