Yep diversification is key for sure.

Privacy coins are currently very popular but would probably be high on the hit list of any gov sponsored war on cryptos.

I agree with Ripple, a lot of people have bought into it, and while more and more centralized/traditional banks are adopting it, I don't really see it benefitting the token holders much except for some speculative appreciation of the token price. The kicker for me with XRP is that banks who want to use the Ripple network don't even have to use XRP at all.