Holding onto XRP is like expecting a profit amid a dilemma. XRP has 2 factors of risk of experiencing a dump, 1st because it lost against the SEC, 2nd markets will be bearish (I'm seeing the signs now).
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I turned all my coins into XRP on Saturday and today I cached nearly the peak point and sold apprıox 15% profit then I bought again (XRP) lower price... And now I am waiting tomorrow morning.
If I were you, I'd swap some of the investment into some other, safer altcoin. But, you know better about your decision. Hope you;ll get profit the 2nd time