HBD is an amazing investment tool and the 20% APR is great. I am planning on leaving it in the savings to compound and taking it out later if the price of LEO and HIVE drop down a lot. I see no rush in moving them when the savings is doing the work for me.
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Thinking the same as you. I don't have a lot in HBD savings but may just pull out some of the interest earned and grab some Hive is the price is right.
For me, HBD in savings is a baseline to my portfolio. The 20% serves as a powerful return to build from.
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