If i have to choose between Ripple or Litecoin,I prefer to choose Litecoin.I don't like Ripple to much.they are more like a bank than crypto.and also they are centralized.for me anything that still centralized are not cryptocurrency.
Many cryptocurrencies are centralized, EOS is a good example. I would generally take the Ripple as a speculative instrument, and not to the crypto currency as such. And if you're looking for a coin for the future, it's Litetcoin.