I think, ADA is the best to invest that amount of money in this bearish season because the price is still low for investors to invest and be part of what will happen when the price increase higher in the future to help their investors to achieve what they have never achieve before in the crypto market. Since you have the mind to apply long holding in that $10k, I think before the end of the 3 years you assign to that particular coin, you will achieve a lot of income that will make you smile. If you can still add XRP into your investment in the future, I think it will help you to depend on two sources where your income will be coming from because XRP have clean evidence to win the case from court.