Can you put another option like an overrated coin? I will choose that answer as my best answer for ripple. I will prefer to get another coin. ripple is a security coin that offers nothing to the users. What will you get from holding ripple in every moment? you get nothing. Ripple company is not yet dumping the pre-mined coin to the market. Buy it and regret it later. 
Stay away is much better or choose another coin.