Ripple has a big potential with it's developer and investor, they love to start a bull run periodically then smash it like nothing. If you can catch that "ripple" on it's start you can gain 10x-15x but if you be late you can lose a lot, it is risky but if you look at yearly graph it is about time and today's rise seems like a signal. 
Recently the market has gone down but the value of XRP increased sharply during this time. This is a great sign and it is really a good altcoin having great financial stats. In such a bad situation, the altcoins are hard to develop but XRP has done a thing that no one can imagine. Invest in it now before it's too late.