It is easy to predict a price, anyone can do it, but they should make some sense before telling any prediction! A coin like XRP will not hit 28$ ever, it's the highest price was under 4$, when everything was well in 2017! Therefore Ripple has such a huge supply! So, I don't see any possibility for Ripple to hit 28$!
Don't count your eggs yet. Crypto price action has a reputation to be jaw-dropping. $28 could be hit, it might be low probability but still a possibility. However, unless you have lots of disposable income, the logical path is to invest in high market cap coins.