Thinking about 2026 Goals

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This post is not financial advice.

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I am thinking about 2026 tokens goals and ...I have no idea what goals to set. I am not planning to leave Hive, but personally I really don't know what goals to set.

Yeah HP goals are always good. I think if anything right now I would focus on HBD. Maybe I will think more about that and see if i can come up with a good goal around that.

I do also like the concept of the Saturday Savers but am not able bodied enough to commit to weekly posts for a year. Sometimes I don't have the energy to eat. So this means I can't participate in that , either even if i am actively working toward the end goal. Unless I am misunderstanding but it's my understanding that you need to be active , as in post abut it every week. For many people for many reasons this is simply not possible.

My goals also change as the markets and other factors change. Maybe I should just set a soft goal likely around HBD and see how far toward it I can get. Off chain I am working on accumulating more BTC , ETH and LTC primarily. I am also stacking bullion.

For my project accounts (@uni-coin @glittertoken @tribefairy ) those goals are easier because in general HP is the way to go. I may also set other goals like for UNICOIN to accumulate more EDSI tokens in addition to HP.

But for this account in terms of Hive/Hive-engine tokens I really don't know what to focus on except HBD I guess. That's where my brain keeps leading when I ask myself what I want to focus on. If I do decide to focus on that, I will likely increase my CENT delegation to earn more swap.hbd which I can convert or put into a pool.

Please feel free to tell me your goals if you have them for the upcoming year. I always like to read about what other folks are doing.

❤️🦄

hive-111011 bbh cent tribes fun pimp slothbuzz pepe
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5 comments
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HBD has been a really good thing for HIVE

over the last several years. It has stayed very very close to $1 almost all the time. It had a yield of 20% for a while which was amazing, and currently 15% isn't bad either! The interest is paid monthly, and for those who compound it by staking the interest received, they get 16.07545% each year.

However

Ya, sorry but we have to be fully aware of not only the upside but the downside whenever we're making costly decisions in life.

HBD is a debt product. It is an IOU for a dollar's worth of HIVE. New HBD is printed for a few reasons, one being to pay rewards to content creators. Another is the HBD created to pay that nice 15% interest.

It is harder for HBD to retain its peg as the Debt Ratio increases. Therefore there is a Haircut Rule to limit HBD creation. At 20% no more HBD is paid to content creators; they get their reward in HIVE only. At 30% the redemption in HIVE for each HBD converted starts to go down, which could lower the HBD price. Currently the Debt Ratio is near 13% and rising rapidly as anyone can see if they look at the chart at hbstats (see sources).

Witnesses might decide to lower HBD interest rates if the Debt Ratio goes higher, so as to decrease the HBD creation/inflation and therefore Debt Ratio.

HBD is not risk free. If the HIVE price continues to drop as it has for many months now, HBD could yield less and/or drop in price to under a dollar.

Sources:
https://hive.io/hbd/
https://peakd.com/hbd/@arcange/hive-debt-ratio-and-haircut-rule
https://www.hbdstats.com/

What I May Do With HBD

I am taking most of it out of Savings/Staking and may swap for something else while it is still worth a dollar. The Risk of less interest and/or lower prices is almost greater than the Hope of continued 15% interest and pegged price. For me, liquid HBD is where I want to be, right now, so I can make moves at any time.

NFA! DYOR!

Of course this is just my own thoughts, for my own situation. Everyone should do their own research. This is not financial advice!

Check my understanding of HBD by reading the sources I provided and any other ones one may choose to refer to. If others have other thoughts on HBD, feel free to respond to this comment!

Tips!

!ALIVE !PIZZA !BBH !UNI !LADY

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