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.
This is actually something to look at on this coin. What if one of the owners decided to leave and sell his share? This scenario is very possible to happen. I like how cheap XRP transaction fee is and how fast it is. But it is the team managing this is quite the scare from crypto users. Because it is centralized, you'll never know what will happen to their coin once there's a change with their management.