Personally I wouldn't invest in XRP and I can advise you to do the same thing. Ripple is centralized, it is owned mostly by big banks and as far as I know it's supply isn't even capped so it can be created out of thin air i any given moment. Probably the best possible strategy is stick to BTC and ETH.
I think the same thing about XRP. I do not invest in any project with a central infrastructure. Besides, I do not think that the price of XRP will increase at least 3-4 times in the future.
So in the long run, the most sensible investment is always Bitcoin.
For short-term investments, users should do their own research. But my choices are: Zcoin, EOS, BNB.