Building a cryptocurrency portfolio often raises one recurring question: should investors wait for the perfect buying opportunity, or invest consistently over time? Crypto enthusiast Working
Building a cryptocurrency portfolio often raises one recurring question: should investors wait for the perfect buying opportunity, or invest consistently over time?
Crypto enthusiast Working Money addressed that question by presenting a hypothetical XRP investment strategy that focused on regular monthly purchases over a multi-year period rather than trying to predict every market move.
In a tweet, Working Money calculated that investing $200 per month in XRP from November 2017 through December 2020 would have resulted in an accumulation of approximately 24,358 XRP over 38 months. The post suggested that maintaining a disciplined investment schedule during both rising and falling markets could allow investors to build a substantial XRP position over time.
Investing $200 monthly in XRP from Nov 2017 to Dec 2020 (38 months) could yield around 24,358 XRP. This strategy shows how consistent investment, even during market fluctuations, can build significant holdings. #XRP#CryptoInvestingpic.twitter.com/ijp767xBW6
— Working Money (@WorkingMoneyCH) July 22, 2026
Working Money expanded on the calculation in an accompanying video, explaining that the analysis assumed a fixed investment of $200 every month between November 2017 and December 2020, a total of 38 monthly purchases. Rather than using daily price movements, the calculation relied on average monthly XRP prices to determine how many tokens a $200 investment would have purchased each month.
The presenter explained that the monthly breakdown illustrates how token accumulation changes as prices fluctuate. During the early months of the period examined, different price levels resulted in varying amounts of XRP being acquired with the same monthly investment.
According to Working Money, this demonstrates how consistent purchases can gradually increase an investor’s holdings across different market conditions.
He also noted that the approach remains relevant during bearish market periods, when lower prices enable investors to acquire larger amounts of XRP for the same dollar investment. Based on the calculation, the strategy would have produced 24,358 XRP, which Working Money estimated now be worth roughly $24,000 at current market prices.
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The post prompted discussion among members of the XRP community about long-term investing strategies. CryptoSensei commented that many investors spend significant time searching for the perfect market entry, while those who consistently buy over time often build meaningful positions without attempting to time every price movement.
Working Money responded by offering a more nuanced perspective. While acknowledging the value of consistency, he suggested that disciplined investors may also improve their results by identifying favorable buying opportunities instead of relying entirely on an automatic investment schedule. In his view, patience and market awareness can allow investors to target lower price levels while still maintaining a long-term accumulation strategy.
The exchange highlighted two commonly discussed approaches to cryptocurrency investing. One emphasizes regular purchases regardless of market conditions, while the other combines long-term discipline with selective buying during periods of price weakness.
Working Money’s example illustrates how sustained investing over several years could produce a sizeable XRP holding, even without requiring large one-time investments or perfect market timing.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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