It is a complicated answer that depends a lot on each person.
Money has two important characteristics: it is fearful and it is intelligent. Or in other words, run away from risk and run towards profitability.
Now it is up to each individual whether a coin collateralized by Hive has a risk/reward ratio of the current 20% or any other figure, whether larger or smaller.
As I have said, this depends on each investor and their appreciation of the risks.
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You are right that it's a very personal question and that's the interesting part about it. I see a lot of emotions when it comes to this topic.
There's hardly any investment option with better risk/reward ratio than a (de facto) stablecoin with 20% APR. Moreover, you don't lent it to anybody for trading or providing liquidity. Instead, you can withdraw it anytime grabbing the interest for the vesting period. However, there are not crowds coming to Hive and Saving billions of HBD. Why is so? No bank can give you better APR on your USD savings.
People are not coming to Hive for this 20% because they know it is not sustainable and very risky.
If you just want to take some profit, you don't necessarily need something sustainable in the long term. Still, we can afford keeping it one or two more years, perhaps longer if some of the new projects or games will turn out to be a huge success. But I believe we shall cut it.
I disagree, why put your capital at risk for a short term gain? There are far better investments out there with a higher return with much lower risk. A low market cap coin like Hive can only be attractive and compete with the focus on adding value to the Hive token and building a vibrant community/ecosystem that has value. Then the returns have the potential to exceed 20%. The Hive token must go up or it goes into a death spiral like Blurt.
Yes, you're right. On the other hand, we currently have a 30% debt ratio limit set, which makes HBD "safe" for a while - we're currently at 7%. As long as the HBD Stabilizer works and Hive keeps over say $ 0.15, I'd personaly consider HBD in Savings as a great option. Having a different opinion is fine with me, obviously, that is a subjective matter :)
I just don't have and have never had anything in Savings because I dispute the whole concept of HBD insterest and taking advantage would be hypocritical. Also, I care about Hive :) That's also why I am against the interest :)
I personally do not care if HBD is safe or not. Im thinking about Hive too. We are already in the danger zone for Hive and as Ecoinstant already mentioned on your post comments, currently it looks like Hive wont break out of the $0,40 range which will be a huge disaster this bull run in my opinion and Hive wont recover from this. If Hive drops to $0,15 or lower, it is pretty much a finished project.
Hive needs to shore up its tokenomics now to make Hive more attractive and drive in new users and stop those like me powering down and leaving this cycle. Either way, it is not in my hands.
For HIVE maxis, $0.15 is a "massively discounted" price. 😎😏
Have some !PIZZA with !LOLZ for today! 😁
It sort of is in our hands too, even though we're not whales or so. That's why it is important to discuss it and spread the information - the community should be aware of possible consequences of our decisions ;) Be it the HBD interest or anything else network-wise.
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