I think the altcoins that you are holding (XLM and XRP) are very good in the future because both altcoins are highly demanded
I agree with XLM, it has big demand in the market now. But are you sure to hold XRP? I am not sure if it is good to hold XRP, the demand looks decreasing. People are afraid of the result of the XRP lawsuit case. They doubt XRP will be delisted on all exchanges in the world if they get the bad result from the lawsuit case against SEC.