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 don't think that because of being a centralized coin we can't make money from this coin. If we if compared XRP to other low market volumes coins, it is to see that XRP is much better than of them.
Cause for me isn't about of being a decentralized or centralized one but the most important is it has a good market value and XRP has it already. I don't want to close our minds that XRP still in the race and even in the top 3 which means that we can still be profitable one.
At the moment Ripple is low in value and a lot of investors get frustrated when they have to wait too long. I think the main reason why this coin cannot grow is that the supply of XRP is too large and every year there are billions of XRP unlocked which makes investors at risk. In my opinion, Ripple's team needs a new strategy to improve this because if they do not plan to buy back, the price of this coin will definitely return to $0.1.
Of course no one wants that to happen but in the bear market we have no right to decide the price of the coin so the current solution is to sell all XRP and wait patiently for cheaper prices.