Cardano isn't competing with Ethereum or other platforms that need rapid adoption so it can be a unique platform because it's targeting unique problems. It's specifically taking financial institutes and banking to countries that can't support traditional infrastructures. Regardless, ADA is a great coin. It's a great pick.

Cardano, with Stellar (which you have I believe) and Ripple are going to be the bridge between old financial institutes and the future. Hodling them will likely be frugal.