Ripple could be an investment in very long term but right now it is falling down. If you watch the whole graph of XRP of all time you will have basic idea what is it. I'd wait until he is down to 90-95%+ and i'd bought from there.
Ripple is one of the earliest token which is not publicly audit-able.
I don't think ripple will have any future at all.
I've seen most of the above FUD in other posts. All of it has been refuted numerous times
https://pastebin.com/pZFB2Lhg for those readers looking for actual facts (notice that no sources were given by the previous four posters)
But this one just mystified me. What do you meant by "publicly audit-able?"