Ripple = high risk, because it is not a pure blockchain. If founders want to dump one day your ripple might have 0 value. With real crypto like BTC you always know what coins get released new on market.
You are awesome and perfectly understand the real fact about ripple. I really do not understand why the people still looking to invest this shit coins which is not worthy at all.
Even the worth of ripple also not that much big. If you uwant your money at the safest place then go to invest on bitcoin or ethereum for your better security.