ADA and XRP is the good one, but i personally don't like to invest on Top coins. I always find low market cap,undervalued & underrated coin so i can get a lot of money from that because it will be easy to rise more than 10 times when he had hes momentum.
Both of them that you mentioned have great potential to be the best among crpytocurrencies, however, why don't you believe in the future of top altcoins? In my mind they have more potential than other projects, that is why top altcoins like ETH, BNB have reached their own ATH this year. No doubt top altcoins investing is riskless and we have more chance to get money from them than from newer projects. Because most new projects are useless and can get shit easily in the future.