Talking about risk, I think that Ripple, Litecoin, and Steem are some of the safest bets today (7/18/17). Now is the time to buy these coins. Ripple & Steem have too much riding on them and using them, to just fail. They WILL rise again. Litecoin keeps standing tall during the storm, could be the next Bitcoin...just saying. For less than $50 a LTC, it's a bargain.