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Ivan

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XRP price, as measured against fiat or even other crypto-currencies, is constantly moving upward or downward.  Moving the actual XRP to a private wallet doesn't shield you from this risk. 

On a separate note, you can trade your XRP for the IOU of an exchange that may be tied to a currency you feel is more "stable," like US dollars.  But there again, you haven't totally shielded your risk - you are still trusting the issuer of the IOU to redeem those USD IOUs at a 1-to-1 basis. 

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That's what I want.  I don't want to miss the moonshot when it happens so knowing my XRP with appreciate while in the wallet is good news.  So now another question.  Should I leave my XRP in Poloniex or move it to a wallet?  If so which wallet do you recommend.  Thanks for your help.

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regardless of where you keep your xrp, when the value jumps by 2% it's always in relation to some other thing (btc, usd, etc... as in et cetera, not ethereum classic). you are not gaining more xrp as time goes by. 

this is actually the case for coins that you can stake (not XRP)... you need to have those in your wallet and leave the pc on to reap the rewards (like stratis) 

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So leave at Poloniex or put it in a wallet?  I apologize for the simplicity of my question.  I am new at this whole idea of cryptocurrency.  I'm sure I'm not the only one.  An example, I have been in a work related conference this week.  Probably 75-100 people in attendance.  One topic was financial literacy.  The speaker wanted a show of hands of those who had heard of bitcoin.  At most 5 people raised their hand.  So let's pretend this is a scientific poll conducted by CNN, which we all know isn't worth a sh!t since the only people they poll are killary voters, if 5 people have heard about it then maybe 1 person out of 100 actually owns crypto?  Do I need to put my XRP in a wallet or not.  I'll leave it at that.  Thanks for your help.

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