The problem with XLM and other coins is that they are in some sort of limbo, new coins are thought by the community to have high potential, while coins that have been around for a long time like bitcoin and ethereum may not have the same high potential but they are reliable.
However XLM is not thought to be anywhere near as reliable as bitcoin, and it does not have the high potential of new altcoins either, and as such it is having problems to try to garner the attention of investors once again.
XLM is one of the oldest cryptocurrencies trading on the market today. It may not be as innovative as other coins, but it's certainly a better option than XRP. The latter is heavily-centralized, often driven by the company's own interests. XLM, on the other hand, is backed by the community every step of the way. It's decentralized and uses the same tech as Ripple's XRP. With fast confirmation times and dirt-cheap fees, XLM could become a great alternative to blockchains such as Litecoin, and Dogecoin.
I really hope developers come up with something new that will keep the "vibe" going on for quite some time. Only then, XLM's price will pump all the way to the moon. Given that XRP won the case against the SEC, it's likely investors will buy XLM due to FOMO. I'd be best to "hodl" this coin and see what happens in the long run. As long as you don't put all of your life savings into it, there should be nothing to worry about. Just my opinion
Sorry, but you're overlooking Bitcoin, a key participant in the cryptoverse. XLM is the moon, while Bitcoin is the sun. I acknowledge XLM's decentralization advantage over XRP. However, Bitcoin's tech is unmatched. Its flawless design, no pre-mine, and no founders' compensation created a crypto standard.
Diversification is good, but your core portfolio should be safe. Bitcoin helps. Hold a majority in Bitcoin and play around with the other cryptos. Unresearched investments often cause dread and contempt. Dont follow FOMO, do your own research.