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. 
The Ripple has big potential this year because if you invest in XRP in August as the topic created, you will get high profit due to the sharp increase of XRP in November 2018. And now the market cap of XRP has overcome Ethereum, and I think you should hold XRP for the long-term.