I like Ripple right now because of all of its partnerships but I like Stellar in the longer term for its decentralized exchange, that is what they are talking about. I see Stellar being the better long term choice and I can see Ripple getting regulated like crazy by governments.
I think both cryptocoins are very promising potential for investments however I would have to choose XLM which is better than Ripple (XRP). Reason for that is XLM is a non profit open source technology that mainly serves to promote financial access and inclusion while XRP is more of a profit entity where payment network is created with the large financial institutions.