This is not financial advice. This is just my opinion and the perspective I have taken. No offense, but the most desirable strategy here is not to slowly accumulate, but to do what lazy panda is doing. Go all in. If you slowly convert from HIVE to HBD, just as you say, you will lose HIVE stake. What you want to do is invest FIAT. Convert state currency to HBD. As you accumulate HBD, it will yield interest. That interest can be withdrawn and converted to HIVE stake.
Rather than looking at this from the perspective of converting HIVE stake to HBD (cash savings), you should be using HBD (cash savings) to build your HIVE stake. It is definitely higher risk because it requires one to abandon banks and fiat, but if you truly believe in HIVE, this is the way.
If you have $70k HBD, this will return $1k HBD/month. For some countries, that is a stable monthly income. Of course, 10x that is $10k HBD/month which is living comfortably. It is worth building up the savings quickly. It is not known how long the 20% interest will last. Could only last another year. In the end, this will benefit true believers that made large investments early. Those that make small investments slowly may spend more in conversion fees than what they actually make from the interest.
That is sound advice and perspective.
I am building more of a diversified financial portfolio and, frankly, most of my fiat is either tied up in real estate or used to provide lifestyle for the family and build my marketing business. If I had liquid assets rotting in financial accounts, I would surely take your advice. Til then, I will accumulate passively and actively with the numerous blockchain opportunities, keep socking HBD away slowly, and crank up the performance of my fiat machine so I can invest in HBD properly.
Kudos to people who are taking better advantage of the opportunity than me!
You can't go wrong with real estate. Good luck.
Real estate is just shelter and lifestyle combined with huge capital asset. Great for that but not very liquid. Now that that is covered, working on amping up the fiat generators to feather that portfolio with Crypto and building stake here is a good pastime while doing that.