Ripple seems like an interesting choice but so far it has been underperforming versus other crypto's ever after it's huge rise. Ripple also has a large market cap already, so if you are looking for big gains you have to bet on Ripple becoming bigger than Bitcoin atleast. Lastly, the main concern with Ripple is that banks are adopting Ripple usage but NOT the usage of XRP. This means they are basically using the blockchain technology, but not the XRP tokens that are for sale on marketplaces. If you invest in XRP, you aren't betting so much on Ripple rather than betting on the banks eventually switching from the Ripple Ledger to actually using the Ripple XRP tokens. That last part seems to be where the uncertainty lies.