I have started thinking that Hive is the best investment when the price of Hive is below 1 dollar. There is a high possibility that the price of Hive can cross 1$ anytime soon. Even when there is a Korean exchange pump that happens once in a while, there is a high expectation that the price of Hive would cross 1$. For the past few days, I have been thinking about removing my HBD from savings and purchasing Hive instead. Though I have not decided on anything, I'm doing some calculations and having deep thought on this. 

I currently hold close to 4k HBD in savings in my @balaz account. I understand that it gives a decent 20% APR for keeping that in savings and another best thing is that the withdrawal period is only 3 days. But still converting that to Hive can help me purchase Hive when the price is very low and sell them when the price goes above 1 dollar which is a high possibility. I read this perspective from other people too. Even if the price is not reaching 1 dollar soon, I'm sure it can give a nice opportunity to sell them at least 10 cents or 20 cents higher. 

![image.png](https://images.hive.blog/DQmR6SuavTi3fvSLw99MLgHkRStnB5vhoQywsszCM7pcZ6H/image.png)

[Source](https://pixabay.com/photos/piggybank-dollar-savings-banknote-2913293/)

There are several earning opportunities on Hive and HBD savings is one among them that provides the biggest APR. I don't think we have any other blockchain that provides a secure 20% APR for the savings on-chain. There are some exchange-based rewards for stablecoins but they are not 20% when it comes to APR. This is an attractive investment that not many people know yet. I have also been trying to tell my friends in the real world that there is an attractive savings scheme that gives 20% APR for investment. In our country, we have a 30% tax on crypto earnings. Even if we pay 30% tax to the government, 14% returns from the stable coins is definitely great compared to that of 6 and 7 percent interest rates from banks. 

When the price of Hive is over 1 dollar, that is when it is the right time to think about holding funds in Savings. Buying Hive with the help of HBD may not may any sense by then because it would be very disturbing to see a very less quantity of Hive we get from the purchase. Compared to being on the chain when the price was around 11 cents and 19 cents and getting a lot of Hive for just 1 HBD, it would be painful to get very less Hive for 1 HBD when the price of Hive is over 1 dollar. 

During the last bull run when the price of Hive was at its peak, I was able to see the price going below 90 cents and again touching 1 dollar. I wanted to do some swing trading by then and bought some hive at 90 cents. To my bad luck, the price of Hive dropped after that and reached 50 cents. It has never healed back to 90 cents or any value above that so far. That's also one of the reasons why I want to make use of the opportunity as long as the price of Hive is below 50 cents. Tomorrow I shouldn't be thinking that I missed the opportunity to buy when the price was very nice right in front of my eyes. 

Many people say that the price of Hive is undervalued and that is what is giving motivation. There are people on Twitter saying that Hive should at least 10$. When there are so many coins out there with very less use cases but still way above the price of Hive, I also think Hive needs more adoption and it just needs to attract only a few big investors to pump the price of Hive if I'm not wrong. Hopefully in another few years that should happen. 

Coming back to buying Hive, I guess I will leave in the next few days because there will be a huge demand for Hive during the start of the month because many people would be planning to purchase some Hive and power it up as part of Hive power-up day. Maybe later after HPUD is over, I will try and execute my plan of getting more Hive when the price is low. Let's see how it goes in the next few days. 

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If you like what I'm doing on Hive, you can vote me as a witness with the links below. 
<center> Vote @balaz as a [Hive Witness](https://vote.hive.uno/@balaz) </center>
<center> Vote @kanibot as a [Hive Engine Witness](https://votify.vercel.app/kanibot) </center>

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