Which Crypto's are people holding and which one do you think will take off

hello everyone from a newbie!!

I, like a lot of people, dabbled with BTC back in the day when it was selling for $100 a coin but never committed and never made life changing sums of money. Oh what a silly boy.
I'm now exploring the differnt opportunities out there, looking for solid investments, hopfully fidning the next one which to take off and provide me with an early retirement fund :)

So far I've got a nice stock of NEM & Siacoin and a small amount of XRP and Ethereum. The way I see it, I'm investing in the technology behind each of these rather than a currency - do you agree with this idea? These three all seem to target slightly different markets / sectors and have varying features which will ultimately help them grow.

What other cryptos are people holding, why, and which one do you think has the most potential?

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