of the top 5 cryptocurrency on coinmarketcap, then we will see that only the price of XRP has not risen very high and reached the new ATH price, because ATH price of XRP is $3.84 on Jan 04, 2018 (3 years ago), so I am sure if now is the right time to buy XRP, because I think the price of XRP will increase very high and create a new ATH price (such as BTC, ETH and BNB), then of course you will get a big profit from investing in XRP at this time.
I can't say it's certain for us to enter while xrp price is at its top. Maybe we could wait for the bearish price to happen one day, but if you can afford what you're going to lost then risking is our choice. However, if you won't play towards the market fluctuations then your only way is that long term holding will be our safest and stress free solution.