<prompt> Human: So my husband and I are about to get around 100,000 and we are looking to invest. Obviously with the crazy return ethereum is having this year, my question is which cryptocurrency is looking to be the next ethereum or will ethereum continue to go as high or higher than bitcoin as some say. What are thoughts about bitcoin? Goldman says they predict a substantial drop once it hits 3100, and my Goldman stock is way up this year, I just dont know what to do. Two coins I have my eye on are ripple and black coin. Is there something else we should invest in vs this? We are ready to take on some risk. Thank you!  <response>: cryptocurrencies are a speculation, not an investment. No more than 5-10 of your total portfolio should be used for speculation.Also, Goldmans stock being up has nothing to do with the accuracy of their predictions. 