Here’s How Much $10,000 Invested in XRP Has Grown Since 2020

A $10,000 investment in XRP since 2020 has yielded impressive returns, with other altcoins like XDC, HBAR, and SHX showing even greater growth.

A recent tweet from Vandell Aljarrah, co-founder of Black Swan Capitalist, has reignited discussions on the importance of early positioning in the crypto market. He highlighted the staggering gains that select altcoins like XRP have delivered since their lowest prices in 2020.

According to his calculations, a $10,000 investment in XRP at $0.17 would be worth $134,705 today at its present price of $2.29. This suggests that, over a five-year window, those holding XRP through this period have seen at least a 1,247% return.

The returns become even more significant when considering XRP’s peak valuation during this time. Specifically, at XRP’s peak price in January 2025, when it traded at $3.34, this portfolio would have been worth $196,470.

Meanwhile, during this five-year period, XRP never dipped below $0.17. Notably, the low occurred amid the initiation of the SEC lawsuit back in 2020.

While XRP’s price rebound from this low has been impressive, some other tokens have shown even more remarkable growth during the same period.

XDC, HBAR, and SHX Post Strong Gains

Aljarrah highlighted that XDC traded as low as $0.0003 in 2020 but is currently priced at $0.0777. At the low price, a $10,000 investment could have bought 33.33 million tokens. Notably, at the current price, that same investment would now be worth $2.59 million, representing a staggering 25,800% gain.

Other assets also saw exponential growth. Hedera (HBAR), which was priced at just $0.01 in 2020, has risen to $0.1964. This delivered a 1,864% return, turning a $10,000 investment into $196,400.

Lastly, SHX, another lesser-known cryptocurrency, would have also yielded an impressive return. Starting at just $0.0005 in 2020, a $10,000 investment would now be worth $226,000 by 2025, based on its current price of $0.0113.

Positioning Early

Aljarrah argued that these massive gains occurred even before a full-scale altcoin season, where liquidity typically floods into smaller assets, pushing prices even higher.

Based on these performances, Aljarrah stressed that early positioning is the strategy to capture gains. According to him, the key to success lies in recognizing opportunities early, before major price movements occur.

Despite these incredible returns, Aljarrah asks, “So, why do people still lose money in this market?”

This question highlights a paradox: while some early investors have seen huge gains, many others still fail to capitalize on similar opportunities. This may result from short-term holding behaviors, where investors hurriedly exit the market during periods of downturn. Essentially, market volatility and poor timing could all be contributing factors.

Related: XRP, Bitcoin Could React to Inflation Data