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In general the consensus advice is that keeping coins on an exchange is subject to exchange hack risk, bunkruptcy risk, disgruntled or theiving employee risk.  You don't own coins on an exchange...  they are in the exchange wallet and they just IOU them.  So putting them in your own wallet is the better option.

How to do that depends on the coin.  There are risks associated with doing it incorrectly...  it's not trivial, so you should either read up a lot and roll your own, or buy a hardware wallet that supports your coins.  Good luck with it.  As far as XRP goes there are tutorials and information in the Links tab at top and the the Our Picks tab.

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