I agree with you on MasterCoin.

But I beg to differ on Ripple. Current USD gateway cap is $2,630,696.87 -- $2.2 million of which is held as Bitstamp USD. That's "gateway capitalization" - literally dollar funds held in the form of bitstamp USD on Ripple. It is NOT "market cap" - where you take the price of coin and multiply it by the total float, to get some outrageous number for a 2-day-old alt-scam-coin claiming the total market is worth a hundred million dollars. Just to be clear - "gateway cap" is NOT "market cap".

To the OP, whichever tickles your fancy, I highly recommend you dollar-cost average your investment over several months (6-12 months). Do not jump in head first!  Best of luck & have fun!