Ripple (XRP) has immense potential due to its availability/utility, and "widespread" adoption.

It only went up in the first place due to the bull-run from BTC - almost all cryptocurrencies will follow.

Moreover, with the BTC halving event, inflation and fluctuations will be rarer moving forward.

The only way now for Ripple to increase (independently) is somehow for an sudden increase in capitalisation (people buying into XRP through exchanges from Fiat, BTC, ETH , ERC20 tokens) or, very unlikely, the burning of tokens in circulation.

For a project that is gunning for large scale adoption by the public, it is unlikely that that would happen.

You just have to project long and just keep your tokens safe.

Maybe one day, you would see the returns you are expecting.

Good luck!