Swap XRP for what for retirement?(reddit.com)

Got into crypto recently and opened an IRA through iTrustCapital and started filling a cold wallet with XRP. I have probably 5,000 shares of XRP and $2000 split between SOL, LINK, HBAR, ETH, BTC, XLM, and flare. The more I read this sub the more XRP sounds like a scam. My average cost is $1.62, should I hold and hope it reclaims ATH after a catalyst like the clarity act or dump it now? I'm holding for long term growth/retirement, and I don't understand this field enough to know what to invest in long term. XRP has lots of utility so I thought it'd be good, but BTC and ETH seem better despite btc having no real world use case and ETH being outdated. Any advice? Is there a real argument for btc and eth growing over the coming decades? submitted by /u/Ok-Scientist-391 [link] [Kommentare]