There is not much exciting about Ripple this year. According to WorldCoinIndex in last month price only went up with 1% and 42% in 180days. Still I hold my Ripple as a lot of projects using Ripple and I think Ripple is a stable coin for investment.
Invest in Ethereum is a good idea, but don't forget to keep some BTC in your portfolio. Compared to BTC Ethereum has growth +167% in het past year while BTC only 19%: Overview Growth
I am just curious why defi projects name starts with YFxxx keeps increasing, it's crazy it looks like they are just a copy of one another, a redundant token and some even listed on binance. I guess the first one was yearn.finance (YFI) and it gets attention with a huge price but with a very low supply. I guess that is why this YFxxx tokens are popping out from nowhere hoping they will get same success like YFI. Is this really beneficial and useful? If you visit telegram, twitter, etc. there are so many scam projects starts with YFxxx so beware of it.
Just like Ethereum Neo is a safe coin for long term investment. For almost 1.5 year the price of NEO has been at a very low point. Remember NEO's peak at $190 in 2018?