It is better to just hold XRP in small quantities. I think its large total supply is going to make it harder for the coin to have a significant increase in price. I would rather hold ETH and BTC in bigger quantities than XRP.
XRP is an extremely risky crypto-asset. It is highly risky because of its centralized nature. The vast majority of the total supply is not in free-float. If any of the promoters want to dump his holding, then it can destroy the exchange rates. Ever since I entered the world of cryptocurrency, I have stayed away from this coin. There are far better cryptocurrencies out there to invest.