XRP vs Bitcoin, Gold and Stocks: What $10,000 Did by Entry Date

If you hold XRP, right now it's a rough. It's sitting about 65% below its record and a lot of holders are saying it out loud. Look at this one. How did we go from $3.66 to $1.33 [music] XRP? And when your coins drop like that, you start asking where your money should really be.

So, if you have let's say an extra $10,000 today, where would you put it? XRP, Bitcoin, gold, the stock market, or just leave it in cash? Well, I'm going to show you exactly how I'd split up $10,000. But first, we checked [music] what 10K would have done in XRP, Bitcoin, Ethereum, Solana, gold, and the S&P 500. We started from different dates going back more than 8 years because that tells you a lot about where to put it now. [music] Over the last year, the answer hurts. $10,000 put into XRP a year ago is worth about $5,000 right now.

The same $10,000 in Bitcoin is worth about $7,200. And in the S&P 500, about 500 of the biggest companies in America, it's worth about $11,200. But the answer changes a lot depending on the day that you bought. From one starting date, XRP beats all five of the others, even gold and the stock market. But if you bought on another date, you would be down right now.

So, your entry point matters. And how much of my $10,000 actually goes into XRP right now? Well, first you need to see what happened to that money from every starting investing date. So, let's run it. All right, bull runners, welcome back to the channel.

Now, let's start with the worst of it. Over the last 12 months, XRP fell further than anything else on the list that we're talking about today. Last July, XRP hit a record of about $3.65. And at the time I'm recording this video, it's about $1.29. That's almost 2/3 of the price gone in about 15 months.

So, picture buying near that top. Maybe you'd watched it run for months and you finally got in because it felt like it was really happening this time. That $10,000 in XRP would be worth about $3,700 now. If you bought Bitcoin that same day instead, you'd have about $6,700. Bitcoin fell as well, but you'd still have almost twice as much left.

Now, look at the whole list for the last 12 months. XRP fell the most, and Solana and Ethereum fell hard, too, but gold barely moved, and stocks actually went up. And those two are in here for a reason. For a lot of people watching, that's where the rest of their money already sits in a retirement account or a fund at their bank. So, it's fair to ask whether the XRP part has been pulling its weight next to it.

And this is what people mean by opportunity cost. It's the gap between what your money did and what it could have done somewhere else. And the easiest one to compare XRP with is Bitcoin because if you weren't holding XRP, there's a good chance you'd be holding Bitcoin. So, for that 1 year, picking XRP over Bitcoin cost you about $2,200 on every $10,000. So, that's about 22%.

In 2026 on its own tells the same story. Since January 1st, XRP is down about 30%. That's the worst of all six things that we checked, while the stock market is up. Now, the stock market is being propped up by AI right now, and people are wondering how long that will last, but right now it's only regular holders feeling it. The US XRP ETFs, which are the funds you can buy through a normal brokerage account, have taken in about $1.8 billion since they launched.

That money is now worth about $1.5 billion. So, even the money that went into the ETFs is down about $300 on paper. And honestly, that's what makes it so frustrating. You didn't do anything wrong by holding. The lawsuit ended, the ETFs showed up, and XRP still had the hardest year of the big coins.

But 1 year is the window that makes XRP look the worst, and if you push the starting point where you invested back 2 more years, and you get a result almost nobody would guess. Now, let's go back 3 years to October of 2023. XRP was about 55 cents. Bitcoin was about $34,500. $10,000 in an back then is worth about $23,200 now. And $10,000 in Bitcoin is worth about $23,200, too.

They're both up about 130%. So, think about that. Even the worst year of the bunch, 3 years of holding XRP left you almost exactly level with Bitcoin. But, the way XRP got there was a wild ride. In the first of those 3 years, XRP actually went down about 10%.

In that same year, Bitcoin almost doubled. And Solana ended up about five times higher. So, XRP holders spent a whole year watching everything else run. And our [clears throat] clients inside of our accelerator program were able to catch Solana at $8 at the bear market low. So, if you want our top altcoin picks early before we talk about them on YouTube, then click the link below, watch that free briefing, and it will explain everything.

And you'll be able to get access to our private intelligence network. In our network, we have coaches researching the markets 24/7 and sharing what they find with all of our clients. And that includes low-cap gems before they get listed on centralized exchanges. Because it's completely fine to keep holding XRP, but how you compound your portfolio is by spotting altcoin picks early. And you need a team for that.

That's what we're here for. Now, after XRP went sideways for years, it finally woke up in one big run. And it caught up with Bitcoin and went way past it. And you can see that on this chart. It shows how much one XRP is worth in Bitcoin.

Traders count it in sats, which are tiny pieces of Bitcoin, like cents in a dollar. The higher the number, the better XRP is doing against Bitcoin. 3 years ago, one XRP was worth about 1,610 sats. At the top last July, it was worth almost 2,940, nearly double. And now it's back to about 1,600.

So, the whole lead that XRP built over Bitcoin is gone. Against Bitcoin, it's right back where it was 3 years ago. Now, go back to the top of one of the last bull runs in 2021, and over 5 years, the winner isn't a coin at all. If you put $10,000 into XRP in October of 2021, it's worth about $11,800 right now. In Bitcoin, it's about $12,600.

That's 5 years for less than 30% in either one. Over the same 5 years, the stock market was up about 2/3 and gold more than doubled. And to be fair to XRP, it held up a lot better than Ethereum and Solana. If you bought either of those near the top, you're down by about half. But the stretch that really hurt XRP holders started a little earlier on December 22nd of 2020.

That's the day the SEC sued Ripple. Since that day, XRP is up about 150% and Bitcoin is up about 250%. Now, look at the last one on that list. $10,000 in Solana on the day of that lawsuit would be worth around $650,000 right now. That's what stings about the past few years. For most of them, XRP was stuck under that lawsuit.

There was nothing you could do but wait while the rest of the market ran without it. And for holders who go back even further, it's harder still. In January of 2018, at the top of the 2017 bull run, XRP was about $3.40. $10,000 in XRP back then is worth about $3,800 right now. The same $10,000 in Bitcoin would be worth about $47,000. That's more than 8 years of holding.

XRP did climb back above that price for a short stretch last summer and then it fell away again. A lot of long-term holders are just fed up with exactly that. Look at this one. Holding a coin for 6 years just to get a 7x while watching every other crypto make massive gains is frustrating. That's what opportunity cost feels like from the inside.

You made money and it still feels like you lost when you compare to other projects. And some holders have had enough. The opportunity cost for continuing to hold XRP is far too high now. Time to let this go. But before I decide how much of my $10,000 goes into XRP, there's one more starting date to check.

It's the one where XRP came out on top of everything. Now, November 5th of 2024, election day in the US, XRP was about 50 cents and it had gone nowhere for over a year. $10,000 in XRP that day is worth about $25,600 now. That's the best of all six and more than twice what the same $10,000 in Bitcoin is worth today. So, the coin that was the worst place for your money over the last year was the best place for it over the last two. Now, put two XRP holders next to each other.

One bought on election day at about 50 cents. The other bought near the top last July close to the $3.65 cent high. Same coin, just eight months apart. The first one turned $10,000 into about 25,600. The second one is down to about $3,700.

They both believed in XRP. They both watched the same videos. They both are subscribed to the channel. The only thing that changed is the day that they bought and what price they purchased. You can see the same thing with a company that went all in on XRP.

It's called Evernorth. It was set up to hold XRP and when it listed on the NASDAQ this month, it held about in its merger deal. It valued XRP at about $2.37 a coin. So, even a company built to hold XRP bought in after most of the run. With XRP around $1.29 right now, each coin in that deal is worth roughly half the price they agreed on.

So, in our numbers, the day you bought mattered more than the coin itself. The worst results all came from buying after a huge run near the top with no plan for what to do when it got there. And none of this tells you what XRP does next. You see, a coin that lagged for a year can lead the next year or the other way around. These numbers also assume you bought once and you never touched it.

Most people bought in pieces. They dollar cost averages a lot at different prices. So, your own number sits somewhere in between. So, what does all that tell me about XRP? Well, it comes down to when you get in.

Over three years, it tied Bitcoin. Since election day, it beat everything that we checked. Over 1 year and over five, it lost to Bitcoin, gold, and the stock market. Now, let's get to the $10,000. Here's exactly how I'd split it today.

Now, this isn't financial advice. I'm not telling you what to buy or sell. This is just an example. Crypto's very risky and you can lose all of your money here. You're a full-grown adult.

Read the disclaimer below. I'm using the same lesson as the rest of this video. Don't buy right after a big run. That's why the first thing I checked is how far each of these coins sits below its record right now. Look at the bottom of that list.

The stock market is less than 3% below the record it set this month. So, if I buy it today, I'm buying right near the top. Gold had a huge run, too. It hit a record about $5,590 in January and it already came back down about 28% since then. And most of crypto is a long way down.

Bitcoin is about 36% below its record. XRP is about 65% below. And in Bitcoin terms, it's back where it was 3 years ago. So, here's my split. $4,000 goes into Bitcoin. Over the last year, it fell the least of the coins we checked and it has the most money behind it.

The US Bitcoin ETFs alone hold more than $100 billion. $3,000 goes into XRP. It's the riskiest part of this and I'm not going to pretend otherwise, but right now, it looks a lot more like the election day setup than the July one. It's far below its record and it's back to the same price in Bitcoin it had 3 years ago. Nobody knows if it runs again. If it does, I'd rather be starting from here than from the top. $2,000 goes into gold.

It's already come down from its record and in the worst year for XRP, it barely moved. That's the part that's there for the bad days. And $1,000 would go into the S&P 500. It went up in every window we checked it in. I just keep it small for now because it's sitting right near its record.

Now, I left out Ethereum and Solana. Over 5 years, both are down about half and they swing harder than everything else on the list. Now, if you want more risk, that's where it is. It's just not where I'd put that money right now. And notice that even though I like XRP from here, it only gets $3,000 of the $10,000.

That's the other half of this lesson. The day you buy matters, and so does how much rides on one coin. Now, $10,000 is a very small example here. If I were to use $100,000 or even a million dollars, it would be a completely different allocation strategy. And that's just an example split for this video.

Yours would start from a different place with what you already hold and what you paid for it. So, that completely depends on what's already in your portfolio. So, a lot of people will disagree with my split because their portfolio looks different, and the answer is, "Good. You should disagree because your situation is different than me. You might not have 10 million, 50 million, or 100 million dollars in the market.

You might only have a million dollars or 5 million dollars in the market. And if that's all you have, that's completely fine. 10K is an example that everyone can relate with, or even $100,000. If you've already held XRP through all of this, you probably already know which of those two holders you're close to. The one who turned $10,000 into over 25 grand, or the one sitting on about $3,700.

The biggest losses in this video all happened the same way. XRP was flying, people bought in or held on with no plan at the top, and then they watched it fall all the way back during a bear market. Now, when XRP runs again, that moment comes back, and while you wait for it, the money sitting in your XRP isn't doing anything for you. And that's really hard to plan on your own. When it's your coin, every dip looks like a chance to buy more, and every pump feels like the start of something bigger to keep you holding.

So, the smartest thing that you can do is get experienced investors on your side who aren't emotionally attached to one coin. So, through the link below, I made a free video for you explaining the top strategy that my research team leverages to earn yield on idle XRP and other altcoins. And if it makes sense for you, you can book a free strategy call with an expert on my team. They'll go through your portfolio with you, look at how big the position really is next to everything else that you have, what holding it has cost you, and whether that XRP is just sitting there while you wait, and how to put it to work for you so you can maximize your upside in the next run and minimize your downside. Then you'll leave with a plan for what to do when the market runs again.

And if our accelerator program isn't the right fit for you, we'll be the first ones to let you know on the call. So, start with the first link in the description. It says, "Put your XRP to work here." On mobile, just tap more. It's right at the top. Watch the short video, and I'll see you on the inside.

Now, whatever you do with your own 10K, 100K, a million dollars, or whatever, check XRP in sats every few months. It'll show you whether holding it is still keeping up with Bitcoin. So, as always, I'll see you on the next video. I'll see you at the top. You know what to do.

Stay bullish.

Bullish.

[music]

Bullish.