im not an altcoin guy but im suddenly interested , as i can see on coinmarketcap there is ripple just after bitcoin then after it litecoin and ethereum , still isee a lotof people speaking about ethereum more then they do about ripple i just checked the website on ethereum and for some reasons i didn't understand anything , can't even find an executable file to download and if it's on beta will people lose their ether later (that's if they are storing them anywhere)
Nowadays, from the investing point of view, I would certainly chose ethereum. Because ripple (xrp) is an overpriced centralized coin, that does not represent nothing special of itself. Yes, it is a coin with good scalability, fast transactions and a small commissions, but why do not I choose at this point of view a more decentralized nano or verge or ... it's so many of them. Ripple & XRP is two different things. All these partnerships of Ripple with banks have nothing in common with its coin XRP. Banks are using Ripple's xCurrent technology, not xRapid (XRP).
And the ethereum has the strongest development team, the largest in the industry community, an excellent technology that have a future. Almost all ICO's are performed on ethereum blockchain.