I think Neo can not be compare with Ripple. These two coins are so different. I think we may compare similar projects.
But If we have to choose one of them to invest , i will choose neo. I think it is more potentiable than ripple. This is my idea.
Personally I would also choose NEO for long term investment or investment in ICO projects because NEO is really very potential and has been well appreciated on all media and in China they view NEO it is the 2nd ETH and can beat ETH at any time. I think ripple is still not comparable to NEO because ripple is still a lot of drawbacks and I do not like to use ripple for payment