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Staking hive earns ~12% roi.
Holding hbd in savings pays 20%.
It is a better roi to hold hbd in savings.
Yet, many still hold hive power that would be better served by holding hbd.

ah yes, 12% as curation reward?
I only manage to reach 8-10%

but dont forget about the price of hive
you may earn 20% for hbd
but if hive doubles from 25ct to 50ct in just a few weeks that is a big difference
100% in a few weeks
20% in a year

... ^^

Yes, holding hbd is a risk.

You have to add the ~3% directly from inflation that is given to hp holders.
9% is about average for voting.
Rewards are linear for the first 24 hours, then there is a curve that increases up to day 7.

how exactly is curation right now?
where can one get info on how to curate effectively?

the 5min or 10min or 15min window isnt anymore?

xD

They extended the window to 24 hours, then there are 3(?) more windows that increase the penalty for late voting.
The curation rewards that later voters would have gotten are split between those that voted earlier.
The author part stays the same.

so vote in the first 24h or as fast as possible instantly after the 24h? like it was with voting instantly after 5min?

is there a penalty for voting at 0 1 or 2 min?

where can one get more info about this?
I'd like to have some more transparency about all current options and settings

things can change suddenly..

thank you very much :) !

Look on blocktrades' page, he goes through all the hardfork things he wants us to know.
It happened a long time ago.
Hf25 or 26, I think.

The first 24 hours is the optimal time to vote, any later and rewards are diminished.
No penalty for voting instantly.
This was done to disadvantage the bots.