Congratulations!

I upvoted your post due to its excellence and for mentioning Web3. Feel free to follow my curation trail at https://hive.vote/.

It is quite possible that 20% APR is not going to be the constant thing forever. It might change based on the trend and what top witnesses decide. I also personally think that 20% may not be sustainable forever. But yeah it depends. Check the below comment

https://hive.blog/hive-167922/@smooth/rt6ag7

I've also thought about the time when HIVE is getting closer to $1. Starting the unlocking process close to that would be a good idea and then kinda DCA once a week to HBD. This is actually something I promised myself to do when I bought HIVE at a very cheap prices. 

The stability it offers is definitely attractive! The potential for more is more attractive with hive so it’s a good balance of conservative and aggressive investments to have both. Hopefully you’ve deposited at least a couple HBD so you can take advantage of the interest rather than not earning anything!

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All depends on the price of Hive as doing it now makes no sense converting Hive to HBD. I agree the 20% is great but definitely would not convert all my Hive and only a percentage. One needs to grow your Hive account so keeping stake is vital. Maybe growing HBD over a longer period is the smart way.

I think taking advantage of both is the way to go. To stake your HBD to receive the 20% and as well you receive around 3% with Hive. 

We all know that this is a very good platform and original content from the creators is highly appreciated. There are some people who want to take risk in their life and some people who don't want to take risk at all. People don't want to take it they keep all their money inside HBD because it is stable coin as we all know. The best part is that there is a good apr on top of it too. 

Very informative post!
I am going into the other direction.
I'm uncovering a large part of my Hive to covert it into HBD and move it to my HBD savings when the Hive price is right.
You mentioned some pro's already, but my main driver is that curating earns me less than the 20% APR that HBD savings gives me.
This could change when the price of Hive keeps raising. I don't know where the turning point is. I might regret it when Hive goes to 1 dollar, but I just have to be happy with the 20%.

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HBD is better for price stability and that is why I am growing my own HBD stake in the savings. Hive might work out better in the long run if price appreciates but we have no idea when that happens and staking it would also mean that you lock it up for 13 weeks. I would much rather prefer the savings because of the 3 day period to withdraw funds.

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This is very informative..

Thanks for the update.

#replyto5
#hive
#leo
#threads
#threads247

HBD is a perfect investment for bear seasons. So it was a perfect investment for the last 17 months. Once the bull market starts, %20 income per year won't be enough for us. And it is a perfect investment for conservative investors regardless of bear or bull seasons. 

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A lot of people even prefer to invest in the HBD
I prefer it too

I won't lie, passive income beats active income everyday of the week. HBD savings is one of the best investment options for conservative and risk averse investors. I'm not one of them but I plan on utilising it early next year, hopefully the Hive price will be much higher that it is right now.