I have mixed feelings on ripple only because so many people who I feel are smarter than me dislike it for X reasons.
Do I think there is still money to be made with ripple? Yes I actually do, but I just don't know what the ultimate future holds for ripple.
Partially because people say the XRP token and ripple are two different things and because it's a centralized system compared to decentralized, etc. etc. etc.
So bottom line, from what I seem to gather from the research I've done - You'll probably make money on it if you got in already or get in now, but the concept might dwindle away because of how it's setup.
Obviously I don't have a crystal ball so take my opinion with a grain of salt.
In addition, it seems to be that Stellar is trying to be what ripple should be. One of the co-founders of Ripple started Stellar because he thought Ripple was going in a different direction than what it was originally supposed to go. So it's quite possible Stellar could be the Ripple killer. BUT I haven't done extensive research one either coin enough to call myself an expert so please double/triple check my statements on that before you throw big $$$ at both.
I personally hold some of both coins, but have a higher stake in Stellar than Ripple 💪
What is your opinion on ripple @dhruvhat ?
I can't say anything about ripple. The main purpose is that make money from it and leave it as fast as you can.
It has loads of supply and centralized nature. I don't think it will go very far.