What is your opinion and why?

IMO, you should invest Ethereum, so it is more potential than XRP and XMR. In the last decrease, the price of Ethereum has gone down a lot and i think, ETH's price has to be at least 1k $.
I don't think Ripple is a good coin, because it is not decentralized.
Monero is also a good altcoin, but it is not ETH.