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. 
Indeed, I myself have already begun to believe in this coin, although I still do not consider it super lucrative. But as it turned out, the main thing on the market is stability.