15 % with delegation – Or 20 % with HE-token? What is best?

There is a lot of communities you can delegate to and get about 15 % in a year with daily or weekly dividens. It is qurator, ocd, hodl and more.
But there is also services that offer 20 % (they aim to give 20 %). Here I need to buy there token and then get money from what they earn every day or week.

Is 20 % better than 15 % - I am not sure I think that it is important to see the different risk-level in this two way.
First of all I have to tell that I own 2 kinds of tokens that gives me money every day/week so I am not against this kind of investment. I just like to think about the difference of the risk.

Delegation

If I delegate HP I can easy (in some days) undelegate it if I don’t get my money or just if I found one better investment option. The only thing that can stop me from that is if the blockchain collapse or no interface is up and running.
I see this as a low level risk if I compare to all other ways to invest in Hive-blockchain. Nothing can stop me to change my delegation.

Token

What will happen if I keep coins/tokens and some day don’t get my payment that the service promise? OR if romuor says that this is a scam… I have to sell my tokens to get something from it. But if it is no buyer it is impossible. Here is the higher risk with token-investments than delegation. How much risk is it? I think that depend of how big and under how long time this service has been up and running.

I have been thinking of this: Is 5 % more in payback worth the higher risk with token than delegation? I do not think so. You get 30 % better rate but I think the risk is much than 30 % higher.

Still I just bought some SPI-token. Why? Tokens can give you more With delegation you get about 15 % in hive. But with token you can get more - or less. It is all depend how the people that run this service can manage it and get good ROI.
It pretty similar to “invest in a indexfond or in a active fond”. I want to invest where people are active and really make something to get the money. Not just passive wait for the money.
I know that is a higher risk but when it is bullmarket (I think so) it is easier to beat index (in this case I see index at 15%) Do you agree or do I think wrong once again?