What is your opinion and why?

1st preference in this list. I suggest you to use the Ethereum since is the gateway for the new coins comes to the market. We need to find the potential coin equal to bitcoin. This is the right coin than any cryptos after bitcoin.
Next one I suggest you to invest on monero. This is the coin which has potential and dropped drastically in the current market fluctuation time.
Ripple is the shityard. If you want to put the money on bank you can go with this coin. Else avoid this coin completely. Future evolution of XRP will be work in the private blockchain only.