Binance is a great, trusted and secured wallet and it is as well a good trading platform for your xrp. You should check it out.
Exchange not a wallet, If you want to hold with a longer term try to use a waller while you can access the private key/seed itself. I suggest to @OP trying to find a wallet :
- Open source
- Have some ability to export the private key/seed of your wallets.
If you have more money, then hardware wallet would be awesome!