I'm not a beginner and I have my 80% in XRP and a few soles. They are the only coins with a future ahead.

$XRP I am also a beginner, I have been in this for almost a year, I still need to know a lot, that is why I am going for the long term, for now I think it is the safest and not to bet everything on a single currency, I think the fact that adoptions arrive in banks and ETFs, I think in cash, etc. that also became something really important, you have to read and inform yourself, there are a lot of liars and manipulators in the market and this is my humble opinion