As cryptocurrency continues to mature, more individuals are turning to it not only as a speculative investment but as a potential path to financial freedom. Some investors aim to generate long-term wealth through consistent contributions, hoping to retire earlier than traditional financial paths would allow. One such strategy is Dollar Cost Averaging (DCA) , which involves investing a fixed amount at regular intervals, regardless of market conditions. This approach is popular among those who prioritize long-term growth over short-term volatility. But how effective would this strategy have been if applied to XRP over the past decade? Evaluating a Long-Term DCA Strategy in XRP To assess this, we analyzed what the outcome would be if an investor had contributed $100 each week to XRP starting from May 2015 through June 2025. The total capital invested during these ten years would amount to $53,600. According to data from Uphold’s DCA calculator, the value of this investment as of June 2025 would be approximately $3,588,980. This represents a return of about 6,595%. Such growth places XRP among the assets that, despite periods of uncertainty, have provided significant long-term returns to disciplined investors. While the outcome is impressive, the question remains: would this be sufficient to retire? According to a 2019 report , Americans spent around $1,497 per month on non-essential expenses like coffee, entertainment, apps, and subscription boxes, roughly $374.25 each week. Had an individual allocated just $100 of that weekly spending toward XRP beginning in 2015, the outcome could have been significantly different. Retirement Viability The ability to retire with a $3.58 million portfolio depends on various elements, including age, cost of living, lifestyle expectations, and location. A study published in April 2025 found that the average American adult believes $1.26 million is an adequate retirement fund. By that standard, the return from a consistent XRP DCA strategy would have far exceeded the perceived requirement for retirement. We are on twitter, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) July 15, 2023 That said, financial readiness for retirement is not solely based on investment returns. Health care needs, housing costs, inflation, and family responsibilities can all affect retirement viability. Still, in purely financial terms, a $100-per-week investment in XRP over the last decade would have positioned an investor well above average benchmarks. Too Late to Start? Although past returns have been substantial, some investors may believe they missed their opportunity. However, many analysts maintain that XRP remains undervalued in 2025, citing its ongoing utility in payment solutions and potential regulatory clarity. If these factors lead to increased adoption and demand, there could still be long-term upside for those beginning a DCA strategy today. While the results of a decade-long DCA approach to XRP are striking, such outcomes are rare and depend heavily on market dynamics and investor discipline. Still, for those exploring long-term crypto investment strategies, XRP has demonstrated the potential to offer meaningful returns, especially when approached with patience and consistency. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on Twitter , Facebook , Telegram , and Google News The post Long-Term XRP Investment: This Strategy Pays Off with 6,595% Returns appeared first on Times Tabloid .
