Mmm, XRP ...not keen
A long HODL depends on what your expectations are. A top 5 market cap coin is a fair HODL, but baring in mind it is harder to move the price of something heavy, than something light. Meaning: From the standpoint of a trader looking to make some bets, you want to find a suitable Alt that doesn't require as much capital to move the price, significantly. Putting a million dollars into ETH does nothing, but considerably lower sums into something that isn't as "heavy" as ETH may spike the price. I'm not going to recommend what ones, but you get the idea