I guess we must pay attention to the projects (the platforms) which deal with the Smart contracts. They have the best future, in my opinion. Here, I mean, first of all, Ethereum, Cardano, NEO, and Waves.
When classifying if an investment is actually worth investing, that should be dependent on how you are able to come up with that conclusion. Will that be based on the team, the project idea, the available product, the long term prospect, the possible demand for the product in the future and some other factors that makes you feel it will have a future ? I have noticed a lot of people make decisions that are not informed and in that case, instead of even understanding what quality means, all they look at is numbers and assumptions in their head that they get rich with those numbers.
I would say with the current market conditions that it is best to stick to the bigger more established coins at the moment. Once we start to rise, then it could be better switching to alts. As for long-term, then again I would say the bigger coins tend to be better, so BTC ETH and XRP.
Well, there is no harm in that, as every decisions you make as an investor depends on your appetite for risk actually, and knowing that this market at this point, is actually not something we can probably guarantee anything, most especially when bitcoin controls everything, it is always better to at least usually try as much as possible to take some risk that is calculated and worth it most of the time.
Now, I am not sure how you came up with XRP, but most times when I see people choosing ripple as choice of investment and still considering less risk at the same time, i will say that is even more risky than you can imagine for an altcoin for so many reasons.