Investment is all about risk taking so if your afraid of loss then don't venture. Bitcoin is now on a bull run and this is obviously a good news for those who are already holding the coin. However for new investors its still not too late to invest in it.

It really depends on how much you invested and your expectations. If you've made enough profit on your investment then its not too early selling it. Nevertheless, the upward trend has just began and bitcoin is on a bull run, so its good to hodl.

 Zcash’s sophisticated privacy-focused technologies makes it a handy financial tool. Zero-knowledge proofs and multi-signature transactions help to make the coin especially suitable for safe financial operations. It has a great potential and will surely rise. Its good to hodl and buy more when the price dip so you can make a significant profit when there is a bull market.

Even though looking at this bearish market trend it’s quite difficult to draw conclusions, however we’ve seen the potential of bitcoin some few years back getting closer to $20k and though low now I believe it’s not gotten even halfway it’s price and hence it’s still cheap to buy and HODL till the bull market.

 I prefer litecoin to ripple because of the following advantages that Litecoin has over ripple;
Scrypt Algorithm: GPU’s are used to mine Litecoin efficiently and, as a result, ASIC miners are kept at bay to ensure there is sufficient Hash power to be distributed equitably among all the users.
SegWit and the Anti-Spam filter: Litecoin pioneered the component of using spam filters to maintain a blockchain size that can be kept limited, thanks to SegWit and ant-spam filters.
Fast transaction times: We already mentioned here that Litecoin has perhaps the quickest block timing, therefore, making it a preferred cryptocurrency among users.
Buzzing community: Litecoin has got one of the most progressive communities and core #DevelopmentTeam  that provides ready answers for any burning questions. The high quality of interaction has made it a popular cryptocurrency among users.

 Mainly because of its decentralized Payment System. You are the owner of your transactions. No middle party or banks are involved who will monitor or keep a constant track of your payment whereabouts. You have your respective wallets where you can instantly deposit or withdraw money, 24/7. This way you can trade and take your own decisions based on the market ups and downs. In this way, transparency is maintained.

One of the main differences between Bitcoin and Litecoin concerns the total number of coins that each cryptocurrency can produce. This is where Litecoin distinguishes itself. The Bitcoin network can never exceed 21 million coins, whereas Litecoin can accommodate up to 84 million coins. In theory this sounds like a significant advantage in favor of Litecoin, but its real-world effects may be negligible. This is because both Bitcoin and Litecoin are divisible into nearly infinitesimal amounts.