Swap XRP for what for retirement?

Got into crypto recently and opened an IRA through iTrustCapital and started filling a cold wallet with XRP. I have probably 5,000 shares of XRP and $2000 split between SOL, LINK, HBAR, ETH, BTC, XLM, and flare.

The more I read this sub the more XRP sounds like a scam. My average cost is $1.62, should I hold and hope it reclaims ATH after a catalyst like the clarity act or dump it now? I'm holding for long term growth/retirement, and I don't understand this field enough to know what to invest in long term. XRP has lots of utility so I thought it'd be good, but BTC and ETH seem better despite btc having no real world use case and ETH being outdated. Any advice? Is there a real argument for btc and eth growing over the coming decades?

EDIT: I've seen enough people tell me to do my research, I will no longer engage in comments pointing out my errors without offering any explanation or assistance. You people help give crypto a bad name, this sub has been very unhelpful to someone starting out. I think I will call my local representative and senator and voice my concerns for the crypto market and advocate for its heavy regulation.