In terms of yield, HBD is the goat.
Say that again!
There is no place where you can get 15% on your savings, offline or online, stock, or any other asset, but we probably undervalue this because it is our own native stablecoin. What do they say again?
A prophet is always underestimated in their own country. Many people have discussed how HBD savings have helped them, and I personally believe in taking advantage of HBD's stability.
In fact, I have heard people talk about creating a retirement plan based on HBD yield. For example, 30k HBD pays approximately 4500 HBD APR per year, which is a healthy 375 HBD divided by 12 months. With a 30k savings, this is the best thing ever.
Now, I understand that the average person does not have 30k HBD lying around, but a healthy 10k can still go a long way. Now, this is not just about the strength of HBD yield; it is also about how you can accumulate HBD throughout the bull market and even x4 or x5 your hive stake during the bear market.
For example, if you sell 2k Hive at $2, that is $4k. Now, imagine you did not even stake it to earn the standard 15%, and you come back to buy Hive at 0.4, maybe 20 months after its last ATH, that means you will be buying $8k, after initially only selling $2k.
Now, if you staked for 20 months and did not just leave the HBD lying around. Consider curating with 8K hive power for at least three years, then repeating the process for another cycle.
Think about it again. HBD is the goat, and I am not saying that because it runs on our native Blockchain. However, there are some drawbacks to consider.
Although We cannot talk about the long-term certainty of HBD.
I am not talking about it being depegged; I am talking about whether we will have a consistent yield for an extended period of time. For example, we cannot always keep the HBD APR at 15% because we have rotated it for a while based on the hive debt.
For example, I believe that the former (20%) was reduced due to safety measures. It's safe to say higher APR is affordable during good market prices, and we saw how this went during last cycles' bull run.
However, even a reduction to 10% is still healthy; however, a long-term HBD owner who wishes to invest their retirement funds and plan for a steady 15% may not benefit from any changes in APR, but they can plan for any changes. It is safe to say that the benefits outweigh the disadvantages.
HBD is easily the quickest way to increase your hive stake if you know what you are doing and are intelligent enough. After all, you must be smart and pray for the odds to be in your favor.
leveraging stability to capitalize on volatility.
I am sorry if you are waiting for my own plans; they are not 100% complete, so I will not talk about them. However the blueprint is basically the same: hold HBD, and buy back Hive when it's cheaper. This is a broader statement or compound plan, with other intricate details to consider.
In reality, everyone requires an HBD goal for the end of the bullrun, unless they have no long-term plans. Even if you don't, you should be smarter and own one. If you study the structural and economic aspects of Hive, as well as the market cycle in general, you will realize you need these plans, which involve
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