I have always maintained a strategy of 50-50 in terms of my Hive, HBD rewards. This was before the devs decided to make things a lot more interesting by giving us 20% APR on our savings. There are not very many investment options out there offering this much, so it is something that would capture the attention of just about any investor.

It is something that its sustainability has been questioned though, as well as its intentions. These questions have been answered by experts more informed than I am, but perhaps the only way we would completely be able to assess its impact is by letting things unfold with time. This means making a decision beforehand on which Hive asset (or crypto asset) you want from a picture generally, and how to get the best from it.

Recently Hive experienced a mini spike in prices, and those that were able to substantially guess its floor made significant returns If they sold. HBD on the other hand remains the same in value regardless of market sentiment, unless with rare (these days) breaks of character that leaves HBD either significantly lower or higher than its peg. In Hindsight, there is way more upside holding Hive than there is holding HBD.

Furthermore, when the regulatory stick starts to hit the crypto space, it will most likely come after stable coins first, even though I think Hive will manage to work under the radar, as it is currently too small in terms of market interest and attraction. Serious regulations will ensure that only those stables with the right fundamentals and backings will be allowed to operate, so customers do not lose significant investments.

I Still Hold HBD

Yet in terms of preference, the 50/50 split works for me because the HBD comes in liquid form that could be easily converted at just about anytime. It functions more as a savings account for me, even though it is mostly crypto rewards at this time. It could also be one for strategic investments if Hive dips badly and I decide to convert it to Hive, there is a chance for big returns in the event of a rebound.

The 20% returns are great, but the decision is not entirely based on that. Too many people have been lured into bad investments by the use of returns and this used to be how ponzi schemes managed to thrive. If something seems too good to be true, it usually is. HBD seems to have a lot more structure, leverage and strategy to deliver in the event of a crisis, which should shore up anybody's confidence in a product or service.

Sustainability is the first look before committing to any investment. I have started making year long plans for Hive, something which I don't do with any other crypto asset. It is because Hive has obvious proof of value, needing very little convincing that it can withstand the turbulent periods of crypto price swings. Imagine what it would be like should the HBD keep compounding over say, a five year period. There is really a lot to look forward to

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