But I don't hold the coins NEO =D
You are suggesting others a coin that you do not even hold. Coming back to your question OP, I also think NEO has some potential and it can leave Ripple behind in terms of returns this year. The best thing about coins like NEO is that is already among the top 10 coins based on market cap. This means that a lot of people have already trusted and thus invested in this coin. Always check this factor before investing as it gives an indication of the popularity and acceptance of the coin among real users.