This point, should be short-term investment, when you have achieved the desired return. Long-term investment is more risky than before 2017
I had looked at the recent Ripple project that has made large-scale cooperation with banks, it will make Ripple more suitable for long-term investments. At least by working with banks and banks using Ripple as a tool to send money easily, it will make every Ripple investor feel safe. Ripple will continue to have a stable price and even will increase if another bank in the world complies a bank that has worked with the bank previously.
However, I only have a little doubt if every admirer of the decentralization system will like Ripple and invest in it. The fact is clear, Ripple is working with banks, while almost all cryptocurrency users don't like banks.