Most people find zcash better investment compared to monero, but in fact decentralization is much more important than technology. In the long term it has biggest effect for store of value coins.
zcash - Let's talk honestly, they buy it only for speculation.
He is not in the ratings, he is not bought for hold.
For hold buy -
XSPEC.
Monero has a large capitalization and growth rate is very difficult, and in
XSPEC capitalization is small and even if the price grows to the price of Monero - all owners of
XSPEC will become rich!
However, XMR ATH was $363. And from now it's a 3 times. But if market will up I'm sure we can see XMR much more expensive. And what about Xspec? As I know this confrontation between XMR and Xspec continue from the last year. And I don't see any solid reasons to believe Xspec more than XMR. I don't want to debate this but XMR looks more solid for long-term