todays world xrp and many other old coin isnt good choice, new comers will spur their money to new coin instead. the day for xrp to shine already passed
looks many alt already doing 300%+ and xrp only 30% at best

A very wise opinion, because many have started to move upwards, but there have been no significant surprises made by XRP. Even since 2021 until now, there has been no improvement in movement. Of course, looking for other alternatives that might provide a surprise effect, like now with SOL, certainly needs to be considered if you really want to invest. With the price of XRP still cheap, of course many people want to speculate in the hope that there will be a surprise, even though that possibility exists, but it is very wise to target other altcoins where there are still many alternatives.