I do think that the 50/50 approach will be the better route. In days like these, where the cryptomarkt seems to be bleeding, the HBD could be used to buy Hive. That HDB stays around the dollar, but Hive did take a drop so you could purchase more HP for the same effort.
I do follow that the 100 route is a lot easier and doesn't involve decision making.
Recently came back to Hive after a long break. I do use the following approach. 50/50 hive/HBD. Half of the HBD will be pushed to the savings account and the other half will stay liquid. I will use those for market drops, to get more Hive.
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Both are good options that one can change depending upon hive prices. I see some people following 100% power up and I also do it because I just want all the rewards in form of hp and don't want to convert HBD manually to hive and then power up. Keeping HBD in saving also good move and I had it however I covereted all that to hive because of low price. Happy weekend