you can invest in Matic and Ripple, because I believe if the prices of Matic and Ripple can still increase very high, especially now that Ripple has won against SEC, so I believe that the price of Ripple has the potential to increase very high and reach or create a new ATH price again in the near future, therefore I advise you to invest in Matic and Ripple.
Good idea for Matic, meh for Ripple. I think both coins can increase.
Ripple have no real utility. Matic is better now. Ripple is old fashioned.