Historical analysis of optimal entry points, worst buying moments, and DCA performance to help you make informed decisions.
Last updated: February 2025 • Current XRP Price: $2.50
Key Finding: Best Historical Entry
December 2020
During the SEC lawsuit filing, XRP dropped to $0.17 — generating 1,370%+ returns for those who bought the fear
Best Single-Day Buy
+36,400%
Worst Single-Day Buy
-35%
Avg DCA Return (3yr)
+185%
Median Buy ROI
+89%
These entry points generated the highest returns to date
| Rank | Date | Price | Event | ROI Today |
|---|---|---|---|---|
| 1 | Jul 7, 2014 | $0.0027 | All-Time Low | +92,500% |
| 2 | Jan 14, 2015 | $0.0065 | Bear Market Bottom | +38,360% |
| 3 | Jan 1, 2017 | $0.0063 | Pre-Bull Run | +39,600% |
| 4 | Dec 29, 2020 | $0.17 | SEC Lawsuit Low | +1,370% |
| 5 | Mar 13, 2020 | $0.13 | COVID Crash | +1,823% |
| 6 | Dec 15, 2018 | $0.29 | Crypto Winter Bottom | +762% |
| 7 | Jun 22, 2022 | $0.30 | Luna/3AC Crash | +733% |
| 8 | Nov 21, 2022 | $0.34 | FTX Collapse Low | +635% |
| 9 | Jun 13, 2023 | $0.47 | Pre-SEC Win | +432% |
| 10 | Sep 11, 2023 | $0.50 | 2023 Accumulation | +400% |
These entry points are still underwater or recovered slowly
| Rank | Date | Price | Event | ROI Today |
|---|---|---|---|---|
| 1 | Jan 4, 2018 | $3.84 | All-Time High | -35% |
| 2 | Jan 7, 2018 | $3.31 | Peak Week | -24% |
| 3 | Dec 29, 2017 | $2.30 | Pre-ATH FOMO | +9% |
| 4 | Jan 14, 2018 | $1.98 | Post-Peak | +26% |
| 5 | Sep 21, 2018 | $0.57 | Dead Cat Bounce | +339% |
| 6 | Apr 3, 2021 | $1.10 | 2021 Local Top | +127% |
| 7 | Nov 10, 2021 | $1.34 | Crypto Peak | +87% |
| 8 | Jul 23, 2023 | $0.81 | Post-Win High | +209% |
Visual comparison of returns by entry year
Bars show average return for investors who bought in each year
How consistent investing would have performed
$100/month invested consistently
+444%
Net Gain: $16,000
+421%
Net Gain: $25,250
+692%
Net Gain: $33,200
+119%
Net Gain: $1,425
Key moments in XRP history for investors
July 2014
All-Time Low — Best Entry Ever
Price: $0.0027 • Would be worth 92,500% more today
January 2017
Pre-Bull Run Accumulation
Price: $0.006 • Before the 600x rally
January 4, 2018
All-Time High — Worst Entry Ever
Price: $3.84 • Still underwater 7 years later
December 2018
Crypto Winter Bottom
Price: $0.29 • 85% down from ATH
March 2020
COVID Crash — Flash Sale
Price: $0.13 • Recovered within months
December 2020
SEC Lawsuit Filing — Fear Maximum
Price: $0.17 • Mass panic selling
July 2023
Ripple Wins SEC Case
Price: $0.47 → $0.93 • 100% spike in days
November 2024
Trump Election + Bull Market
Price: $0.50 → $2.90 • 480% rally
Data-driven strategies based on historical performance
The best entries came during panic events: lawsuits, crashes, bear markets. When sentiment is worst, prices are often best.
Dollar-cost averaging eliminated timing risk. Even starting at the ATH, consistent buyers are now profitable.
Buying during euphoria (Jan 2018, rapid rallies) led to years of waiting. Let the dust settle after big pumps.
Long-term holders (3+ years) have positive returns regardless of entry point, except ATH buyers.
Buying within 10% of the 90-day low historically outperformed buying at local highs by 3-5x.
Rather than watching charts daily, set alerts for significant drops (20%+) and buy systematically.
Use our Time Machine calculator to see what any historical XRP investment would be worth today
Open XRP Time Machine →What is the best time to buy XRP?
Historically, the best times to buy XRP have been during fear events: major crashes (COVID, FTX), regulatory uncertainty (SEC lawsuit), and prolonged bear markets. Buying when sentiment is negative and prices are 70%+ down from recent highs has generated the highest returns.
Is it too late to buy XRP?
XRP is currently trading below its 2018 all-time high of $3.84. Historically, buying XRP when it's significantly below ATH has been profitable for long-term holders. However, past performance doesn't guarantee future results, and you should consider your risk tolerance.
Should I lump sum or DCA into XRP?
Historical data shows DCA (dollar-cost averaging) has been effective for reducing timing risk with XRP. Even investors who started DCA at the 2018 peak are now profitable. DCA is especially useful given XRP's high volatility.
What day of the week is best to buy XRP?
Analysis shows minimal difference between weekdays. Weekends occasionally show slightly lower prices due to reduced trading activity, but the effect is small compared to overall market conditions and news events.
When should I avoid buying XRP?
Avoid buying during extreme euphoria: rapid price spikes (50%+ in days), social media hype peaks, and when everyone is talking about crypto. The January 2018 ATH buyers are still waiting to break even after 7 years.