For the past 2 years, this coin has not brought any profit to investors so I can be sure this investment will be very risky when you buy. I sold it all in early 2019 and now it is the best decision of my life because after that penny, I have invested in many projects with a much higher profit. Now the market situation is getting better and I would consider investing again if the price of XRP can return to $0.5 by the end of this year.
I have posted about XRP before and if you want, you can check my previous posts. The biggest issue with XRP is that it is very centralized and only a small fraction of the total supply is in free-float. That means that a dump can occur at anytime and if it happens, then the prices can go down by a lot. Now given the risks, I would stay clear of this coin. There are far more attractive cryptocurrencies out there.