It's annual. They say the rule of thumb is for every 1000 PIVX you own you should get a reward every 30 days. But it's random so you could mint two days in a row and then none for two months. Once you mint some PIVX it's yours. You don't lose it if the wallet closes.
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@g-dubs thanks for following up on this! Really appreciate your further explanation. @gold84
No problem... I've been making more than the 4.8% so far... maybe I'm just lucky? not sure. But check it out if you can.