In my opinion you should change Ripple to NEM, before NEM goes to moooon with Catapult and COMSA release. It probably will even overpass Ripple this year on marketcap!
Right now price on NEM is extremely good. Offcourse make to your own risk, because I also do not know future.
![Tongue](https://bitcointalk.org/Smileys/default/tongue.gif)
Also if you like to risk with altcoins this website below will be usefull for you. Because usually altcoins pumping on some important updates. Usually they pumping a little bit before the event begins!!
But please risk carefully. It is not the rule.
For example Lomocoin was allready pumped and it probably will not pump again soon. But again no one knows future.
![Tongue](https://bitcointalk.org/Smileys/default/tongue.gif)
http://www.coincalendar.info/