XRP-USD vs VTI: which was the better investment?
XRP against Vanguard Total Stock Market ETF on real daily total-return data — every dividend reinvested, from Nov 9, 2017 to Jul 15, 2026.
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Frequently asked questions
Did XRP-USD beat VTI?
Yes — measured from Nov 9, 2017 to Jul 15, 2026 with dividends reinvested, XRP-USD came out ahead: $51,828 versus $32,232 from a $10,000 start. That gap compounds from a 20.9% annual return against 14.4%.
What would $10,000 in XRP-USD be worth today?
$10,000 invested in XRP (XRP-USD) on Nov 9, 2017 would be worth about $51,828 as of Jul 15, 2026, a total return of 418.3% (20.9% per year). The same $10,000 in VTI would be worth $32,232.
Which was riskier — XRP-USD or VTI?
XRP-USD swung with an annualized volatility of 93.0% and a worst peak-to-trough drop of -95.9%; VTI ran at 19.4% volatility with a -35.0% maximum drawdown. Risk-adjusted (Sharpe ratio), that is 0.20 for XRP-USD vs 0.64 for VTI.
What data is this comparison based on?
Daily adjusted closing prices covering Nov 9, 2017 through Jul 15, 2026 — the full period where both assets have price history. Adjusted prices include dividends and splits, so these are total returns. The page refreshes with new market data every day.
Can I change the dates, amounts, or add monthly investing?
Yes — the interactive tool on this page is pre-loaded with XRP-USD vs VTI. You can set any start and end date, change the starting amount, add monthly contributions, or build a multi-asset portfolio and compare it against any benchmark.