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📅 Event Duration:
May 16, 2025, 8:00 AM – May 23, 2025, 06:00 PM UTC
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Is 10,000 XRP Enough To Retire? Here's How Much Price Needs to Rally
Top crypto tokens such as Ripple (XRP) have often been touted as a good retirement option because, despite being volatile, they have delivered significant returns over the years. For instance, since 2014, the XRP price has rallied by more than 85,000% from $0.0002 to the current price of $2.40.
However, the amount of tokens needed to retire varies across regions. According to CNBC, a retiree based in the US needs more than $60,000 annually to retire comfortably, while in the EU, one would need over $1 million pension fund to retire. In Asia, one would need an average of $500,000 to retire, with yearly expenses of around $20,000.
Going by these estimates, can a trader who has invested in 10,000 XRP tokens retire comfortably, and how much would Ripple’s price have to rally so that an investor does not have to work again?
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Is 10,000 XRP Enough to Retire?
Data from Santiment shows that the number of addresses that have been accumulating 10,000 tokens has been rising significantly. The upward trend suggests that traders believe that by holding 10,000 XRP tokens, they can make significant returns on their investment.
Since November, traders holding between 1,000 and 10,000 tokens have increased their holdings to a six-month high of 2.29 billion tokens, valued at $5.5 billion at the current XRP price. These traders now hold more than the addresses with at least 1,000 Ripple tokens.
XRP Balance of AddressesAt the same time, the number of addresses with between 1,000 and 10,000 XRP tokens has reached a high of 692,000 addresses, which further signals accumulation for this specific number of tokens.
XRP Number of AddressesGoing by the rapid rate at which investors are scooping up this specific number of XRP tokens, it suggests a belief that may be the right amount to buy for significant gains that may also see one retire comfortably.
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How Much XRP Price Needs to Rally to Retire With 10,000 Tokens
To discover the rate at which the XRP price needs to rally to retire with 10,000 tokens, we need to explore three different scenarios depending on the retirement package in multiple regions.
$1M Retirement Fund
If a trader holds 10,000 XRP tokens in a country where one needs $1M to retire comfortably, Ripple has to rally to $100. Such gains in XRP price would result in a market cap of $5.8 trillion, which is over two times higher than Bitcoin’s all-time high market cap of $2.09 trillion.
$5M Retirement Fund
If an investor lives in a country where they need $5 million to retire comfortably, the Ripple price has to reach $500 for them to retire comfortably. At this price, Ripple would have a $29 trillion market cap, which is not achievable.
$10M Retirement Fund
Lastly, for a $10 million retirement fund while holding 10,000 XRP tokens, the price would have to surge to $1,000. At this price, Ripple would have a market cap of $58 trillion, which is higher than the entire US stock market. Such a price with the current circulating supply is not realistic.
The above XRP price forecast based on different retirement packages is not realistic because of the market cap limitations posed by Ripple’s vast supply of 58 billion tokens. This means that a trader looking to retire comfortably by investing in Ripple would have to increase their holdings from 10,000 XRP tokens to a higher amount.
The more realistic amount of XRP tokens that a trader would hold to retire comfortably with a $1M retirement fund is 100,000 tokens that would cost them $240,000 at Ripple’s current price. An XRP rally to $10 is realistic and can be achieved soon with the launch of a spot XRP ETF.
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Summary
Crypto tokens have often been touted as good retirement options, considering the gains that have been posted by top assets such as XRP over the years. However, while the number of traders holding 10,000 XRP tokens has increased to record highs, a trader would have to hold a larger number of tokens, say 100,000, to retire with a $1M fund if XRP price reaches $10.
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Frequently Asked Questions (FAQs)
10,000 XRP tokens may not be enough to retire due to Ripple’s market cap limitations. However, holding 100,000 tokens would comprise a good retirement fund if Ripple’s price hits $10.
Ripple price would have to reach $100 for an investor holding 10,000 tokens to retire comfortably. This price target is not realistic unless Ripple reduces its supply. However, with 100,000 XRP tokens, a Ripple investor can retire comfortably.
Some factors that will influence XRP’s future price performance include the approval of spot XRP ETFs, institutional adoption and demand.
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