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Of course it is risky to invest in crypto as well as other ways of investment. The feature of this market is a high volatility, the cryptocurrency' price can make x2 as well as x0.5 in a really short period like one day.
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In my opinion, holding Bitcoin is one of the safest investments on the cryptocurrency market. It is not the safest one, but it will definitely give you a profit, while altcoins can easily drops at 50% during a single day.
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I think it is a normal market behaviour because after a huge growth in winter we need a deep correction in order to attract new money to the market. In my opinion, we will see green days in the near future.
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I think the fastest way to earn money in the crypto world is trading on exchanges, but it requires much experience and special skills. Another way to earn is participating in Airdrops and Bounties, but these methods take much time and don't guarantee any income.
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I think you should to learn more info about crypto as a whole. It is silly to invest in something you are not good at. You need to analyze carefully any cryptocurrency or ICO before the investment.
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I wouldn't invest in any altcoin, including Ripple, at the moment. The market is falling and the best option for now is to hold either Bitcoin, Ethereum or USD.
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As for me, I cannot say I have regrets in cryptocurrency. Moreover I am happy that I learned about crypto and the methods how to earn money with it's use a year ago. The only regret I have is that I didn't buy some Bitcoins in 2009.
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I try not to panic on the cryptocurrency market because it is the easiest way to loose your money. I try not to participate in the ICOs which organize Bounty campaigns because the chance of the price dump is too high. There are many cool projects which don't organize Bounties.
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Airdrops are not profitable at all now, they are mostly a waste of time. I participated in many Airdrops, too, and about 90% of tokens eighter cost nothing or too cheap to sell them at exchange. I don't recommend anyone to participate in Airdrops.
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