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.
That is why I am firm in hodlings XRP since it dipped last december due to FUD created by the lawsuit of SEC against Ripple. I have seen a very high potential for me to get a very good amount of profit in XRP thats why I'm still accumulating XRP every time I see an opportunity to buy every dip.
If you do follow this coin since last year, it's really doing well until now. Those bought coins last year already gives you 3 folds or more while those coins that you still accumulating from time to time also have good potential once the market bounce back and start rallying hgh again. It's tough to decide if you don't have spare money but if you do have lots of it, accumulating is one of those best options to gained more from this coin.
Both long and short investment will do as long as you know what you are doing and you are willing to wait for your target profits.