I support and publicize HBD as something people should consider holding. It offers a very good yield on a token which charts show has been very stable the last few months. Look at the 3 Month (3M) chart: https://coinmarketcap.com/currencies/hive-dollar/
I like the 12% interest rate which is 12.68% if you collect the interest monthly and keep it in your HBD Savings. This is 4% higher than US Inflation currently around 8%, This is about 12% higher than bank interest rates which are close to 0.
I would like to look into why the majority of Hive Witnesses decided on 12%. You can see that several Witnesses are indicating 15% on the Witness page: https://peakd.com/me/witnesses
If anyone knows of an article where Witnesses talk about why they chose what they did for HBD interest, I'd love to read it. 12% is great and I would think 15% is greater, but there must be counter-arguments for why the majority is content at 12%.
12% puts curation on par with passive investing.
I have no idea why that is the case in terms of the number. It started lower and was raised a couple times.
My guess is it will go up after the next hard fork and the haircut limit is raised.
Hopefully we see the emergence of Hive Savings Bond and a time locked, higher yield option.
But 12% is still aggressive if people think about it.
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