If you missed $XRP don't miss on $XLM . It has the same potential and is under $1. It is direct competitor of Ripple labs and is much more decentralized.
Ripple labs currently holds much portion of Xrp making it somewhat centralized asset and ongoing legal battle with SEC creates uncertainty and fear of Price Manipulation.
While XLM has stayed out of regulatory controversies like SEC lawsuits.
Stellar focuses on providing financial inclusion, especially in underserved regions. Its goal is to facilitate affordable cross-border payments for individuals and small businesses.
XRP, while similar in functionality, primarily targets financial institutions, which might not align as closely with decentralization principles.
My strategy is that when XLM reaches one dollar. I will sell my 50 percent shares returning my initial investment with profit back to me and hold the rest of shares. This is my personal opinion not financial advice. Please manage your investments accordingly as you see fit.