There's a lot of uncertainty of course but personally I doubt that HBD will continue to pay 20% forever and think it is pretty unlikely that it will still be paying 20% in 5 years. While I do think Hive will go back up, I have no idea when that might be. My strategy has been to power up all of my liquid hive and put all of my HBD in savings. I'll probably continue to do that until and unless the HBD interest comes down. I still periodically purchase small amounts of hive which also gets split evenly between powering up and HBD savings.