Hmm it's a complicated question for me. From the perspective of just Hive, I "cash out" about 10% of the Hive Wallet per year while the remaining 90% stays within Hive so that this account continues to grow.
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I like the 10%/90% ratio :-). I do that in most of the cases and I bring the 10% towards the tokens that I have set goals for. At the moment it's hive and hbd.
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Thanks!