I’m going to sound stupid for asking this, but I keep wondering whether the 20% savings applies Hive savings itself or it’s only limited to HBD.
One thing I find difficult is the time to accumulate more of what. More Hive now or HBD? When? I’ve come to the conclusion that the bear is the perfect time to prioritize accumulating more Hive, and the Bull to convert the Hive that was accumulated in the bear into HBD. Not totally neglecting either of the two tokens at any market cycle though. Just a matter of priority.
It's only limited to having HBD in savings. In reality, everyone faces the dilemma you face, but after careful scrutiny I think there's no need to prioritize one over the other. I think HBD helps one against volatility. Plus, business people can just explore HBD and use it to make cool profit. With hive, when you get your timing right, you can just convert back your HBD to hive and take advantage of the bull market
Yes you have a point there. I’m looking at it more in terms of maximizing profit than safe guarding against unfavorable volatility.