according to this, if you want to survive for the long term, Ripple and LTC is not a very good choice for you at this time. It is more appropriate to invest in ETH or BTC rather than investing in Altcoin if the investment is determined and held over the long term. The current market exchange rate is not stable but I think you can invest in it or in ETH and BTC. So now back to you because the decision is yours.