Your sentence doesnt make much sense atleast for me but i am not big follower of XRP or ripple because already mined 80% and its not completely decentrelised its more or less than actual equity or bank shares where whales play game I don't like ripple from beginning.
Its worse than that, you're not even getting any share of ripple.
They have 80% of the coins
They sale at fixed price to banks, you can't get it at that price.
Banks cant sale the tokens on open market, its for use on the network only
If the price rise, its nice for ripple to sale some more token to naive people try to get rich
If prices crash, there is zero damage to ripple or banks as they have there token at a fixed price and network can keep be used. Just random people that have by the 20% get screwed en circle can be start over.
Short term investment? Sure why not! You can make a nice profit as there is enough idiots. Long term? Well get out right on time before you get screwed.
Buying ripple is even worse than usdt scam. Good luck!