As one of the observers and users of this coin, I said I really hope and it's possible that this coin will give a big bro for you. I believe that the price of ripple this year will increase, which is quite good.
Nevertheless, I don't really trust this coin, since it is not decentralized. If we say that
Ripple is a cryptocurrency, then it will be wrong. Therefore, I bypass this defective cryptocurrency.
A very good decision! XRP is not cryptocurrency, because it is against to the basic principle, i.e. it is not decentralized.
As for the investment, it is even more dangerous, because developers can create an unlimited number of new coins at any time and its value can be burned to the ground. Stay away from XRP!