In my opinion Ripple XRP is overvalued: it is centralized, utility seems limited to financial institutions only (even MoneyGram doesn't use XRP tokens - they "test" the tech behind Ripple with possible use of XRP in future). The price probably will rise (and fall) at some time, but in long term Ripple's high market cap is not that certain.

For long term investment, I would be looking for coin or token with strong utility.