RE: HBD

If I were a passive investor here, I would split it up: Hive I would use powered up and delegated on a curation project and HBD as well. I would look in once a month, leave the HBD in the wallet and either convert the Hive into HBD or power it up.

There is a lease market on the Hive Engine, where you can delegate Hive Power to earn fixed returns on your investment.

I am using it.

And in addition to that, I delegate Hive Power to Ecency too.

My goal is to invest more money here and reduce the time spent.

Nowadays I do that.

I spend very little time online.

Months ago I decided to write mostly for myself because of the general lack of content consumers on this platform.

And I invest money both in Hive Power and in Hive Dollars (HBD) savings too to build passive income for long term (for years, for decades) to get out of deep poverty.

Currently I have $1581.32 HBD in savings, and 4349.92 Hive Power.

I'm not a financial expert, so everything I write is my personal opinion.

I also do the same.

What do you think of HBD?

Multiple witnesses wrote in the past (years ago) that the 20% APR interest rate is sustainable for long term.

Nowadays it is 15% APR, which is still very good.

Hopefully they are right, and hopefully the interest rate of the Hive Dollars (HBD) savings will remain around these (15% APR and 20% APR) percentages for long term.

This is what makes it more attractive over other investment options.