of the top 5 cryptocurrency on coinmarketcap, then we will see that only the price of XRP has not risen very high and reached the new ATH price, because ATH price of XRP is $3.84 on Jan 04, 2018 (3 years ago), so I am sure if now is the right time to buy XRP, because I think the price of XRP will increase very high and create a new ATH price (such as BTC, ETH and BNB), then of course you will get a big profit from investing in XRP at this time.
I will never say it is not nor to say that it was the right time. Because in the sense that nobody has the right to dictate what you should have to do if it is against your well. If you trust and believe that XRP will give you a return, why not? It was you who make a decision, not us. But there is one thing that I could say, make sure that you are ready to accept what will happen later. I'd never say you surely in regrets but just only you need to prepared for it as a part of the investment.