XRP could record one of its most significant price increases if American pension funds diversify even a small share of their holdings into digital 0 suggest that allocating just 5% of total 1 assets to XRP could push its value above $70 , positioning it among the top beneficiaries of institutional adoption in the cryptocurrency 2 Institutional Interest in Crypto Institutional investors, including pension funds and retirement managers, are gradually showing more openness to 3 recent years, both defined-benefit plans and 401(k) accounts have started experimenting with small exposures to digital 4 allocations are typically introduced through spot exchange-traded funds (ETFs) or through companies with direct crypto exposure, such as MicroStrategy (MSTR).
So far, the level of investment remains conservative, ranging between 0.1% and 1% of portfolio 5 fund managers continue to exercise caution due to crypto’s volatility and perceived risk. Critics, including the advocacy group Better Markets, have described such moves as potentially irresponsible for retirement accounts. Still, the number of public entities allowing crypto investments is 6 of April 2025, reports indicate that at least 17 7 had either authorized or were reviewing proposals to permit crypto investments for reserve funds, while 16 states had done the same for their pension 8 notably introduced legislation in late 2024 allowing its state treasurer and pension programs to gain exposure to Bitcoin.
A study published by the CFA Institute, initially in 2022 and updated in 2024, revealed that 94% of state and local pension plans and 62% of corporate pension funds now hold crypto-related investments, whether directly or 9 Changes Under the Trump Administration A major policy shift came when President Donald Trump issued an executive order instructing the Department of Labor (DOL) to review and update its guidelines regarding alternative investments within 401(k) retirement 10 order overturned the DOL’s earlier position from May 2022, which had warned against crypto allocations in retirement funds due to potential volatility and fraud 11 revised policy now gives fiduciaries more flexibility to include digital assets, which could encourage broader participation from pension 12 this happen, pension funds could start to allocate small but impactful portions of their portfolios to alternative assets, like XRP, potentially reshaping the token’s market 13 Price Projection Based on 5% Allocation According to data from the Investment Company Institute, total assets under 14 funds and retirement accounts reached $45.8 trillion as of June 30, 15 figures encompass both defined-benefit and defined-contribution plans, including 401(k).
Presently, XRP trades near $2.60 , with a market capitalization of approximately $147.6 billion and a circulating supply of about 59.9 billion 16 pension funds were to direct 5% of their collective holdings, around $2.29 trillion, into XRP, the resulting capital inflow would significantly expand the asset’s market 17 are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Market behavior in crypto often exhibits a multiplier effect, where capital inflows trigger price increases larger than the initial 18 Dom previously noted that XRP has historically shown multiplier effects of over 19 applying a conservative 2x multiplier, a $2.29 trillion investment would elevate XRP’s total valuation by roughly $4.58 20 this figure to the current capitalization of $147 billion results in a projected market value near $4.73 21 this by XRP’s 60 billion token supply yields an estimated price of approximately $78.70 per 22 such projections remain hypothetical, they illustrate the scale of potential growth if institutional investors fully embrace digital assets.
A modest allocation from the pension fund sector alone could drastically reshape XRP’s market position , especially if regulatory conditions continue to evolve 23 : This content is meant to inform and should not be considered financial 24 views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s 25 are advised to conduct thorough research before making any investment 26 action taken by the reader is strictly at their own 27 Tabloid is not responsible for any financial 28 us on X , Facebook , Telegram , and Google News
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