the ATH price of XLM is $0.876 and the current price of XLM is $0.107, so I think it's very good for you to buy XLM right now and hold until the altseason comes, because I'm sure when the altseason occurs, then the price of XLM will definitely increase at least reached its ATH price and of course you can get profit more than 8x from the current price, so don't miss your chance to invest in XLM right now and get a lot of profit when the altseason comes.
It will be always risky to invest on Alt-coin for long-term. But it can be also different in some times XLM is one of the oldest project on crypto world and they are running good till yet . However, it currently stands well below its all-time high price Even then I think it is capable of recovering. If it recovers then it will be profitable to invest now. So if you wanna investment on it then I think it will be best to invest on it with a proper dca management and with the strategy of long run.
Stellar is indeed one of the oldest altcoins that has yet to disappear. But I think it will soon. They can't compete with newer projects that regularly have hype. XLM exists because of their association with Ripple. I don't have any other explanation for them not getting scrapped. Their price movements often repeat those of Ripple. Once Ripple weakens, stellar will disappear.