I personally dislike Ripple, due to the fact that it is centralized, which, contradicts the sole nature of cryptocurrencies. The risk, therefore, is substantially bigger than in other cases (as if there isn't enough risk already in every single cryptocurrency). Currently, I'm investing in ICO's and I'm pretty satisfied with this decision, regardless of the negative comments that I heard about them. As long as a person does their research properly and efficiently, the high ROI will be inevitable (in a positive manner).