I started off, for first 3 months, posting with my settings at 50-50%. When the value rose, I decided I am not going to be withdrawing any money as I want my power steem to rise, so I changed my settings to 100%.
Now I see, whatever I do, I will never rise to a level that will make a difference in my power or earnings. I had decided not to withdraw any funds for at least another year, but thanks to the changes in value, the level I'll reach then is a tiny rise from now, it no longer makes sense - being 74 years old, I cannot bank on being here another 10 years and I'll probably be senile by then and permanently lost within the worlds I created (or so I am hoping, I hate the idea of becoming less sentient).
There is another very important point that affects our earnings (I do not know if others have noticed this). Those with a stronger rep than myself, last year, when they would upvote me, I'd get a $ or two from them, with my earnings for each post of my story totalling about $4.40. Because those 'curators' now think of their $ of upvote being worth three times what it was, they have reduced the % slider, so that I end up with a few cents from them - making their upvote no more rewarding than those I get from the smaller rep upvotes.
EDIT: The majority of steemians can only upvote by a few cents and many of us, when we find a deserving poster, wish we could do more. One way you can help such people is by answering a few comments, as they can then be upvoted, raising your total for the post. Anyway, I like your stories and so you are now on my feed (nope, I'm not carnivorous - in a cannibalistic sense)
I'm pretty sure that the only time it's worth going 100% SP is if Steem is below a dollar and also above the price of SBD. At all other times, take 50/50 and buy Steem with the SBD and power it up.
I'll do the math later as I've just woken up.
Not to put too fine a point on it but none of us can bank on being here in 10 years. Or next year for that matter.
I wanted to change my SBD to Steem for powering up, but I saw I'm being offered much less, which means I lose whatever I gained by having it at 50-50. Am I wrong?
Have a hot cuppa coffee first
:)
At the moment, SBD is worth more than Steem and they're both above a dollar - SBD = $4.40 and Steem = $3.50. So the conversion rate of Steem to SBD is around .8, 1 Steem buys you .8 of an SBD or 1 SBD buys you 1.25 Steem.
Unfortunately, the internal market doesn't always accurately reflect the external market for this pair and if you go to your wallet, click the little down arrow next to Steem and select Market, you'll find that the internal market is around .9 SBD to 1 Steem.
So, you're getting 1.11 Steem for every SBD. Your 50/50 worked. Trade them in the market whenever you like. Or, as the graphs show that Steem is not rising as quickly as SBD, you may want to wait and see whether you can get .8 or .7
Your call.