Since it's possible to get 20% APR for putting HBD in our savings account, a lot of people are talking about HBD at the moment. However, there are other opportunities to get a nice return on HBD. Check the video to learn more about it...
The question of the week
What is your own strategy for HBD? Do you collect it? Where do you put it to get the best return?
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I am investing in Polycub/USDC. But instead of harvesting and pay half penalty, I lust let it accumulate. And I been trying to convert some HBD to Hive. Then if it rises I can swap back to HBD. Then I put it into Savings for 20% APR !
It's a good idea to let your poly tokens accumulate. I harvest them but I let them locked so that I don't have to pay the penalty which would reduce my income by half.
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I also accumulate Polycub and xPolycub at the moment. I do transfer any native HBD I get on Peakd to the savings there.
I contributed to the pHBD / USDC pool in the past, but sold the pHBD when it was at $1.09 a few days ago ;).
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That's a great move. Providing liquidity there helps the Hive ecosystem in general.
At this price I'm accumulating Hive, I think it's an opportunity. If it goes up I will sell and accumulate HBD in savings. I am also waiting for the arrival of pHive to invest in a pool.
Cheap hive prices are definitely a good opportunity to build our stake :-)
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Thank you for sharing the other alternatives. I know about the pHBD-USDC pool on PolyCUB and the Diesel pools but since I'm still building my Hive account, I only keep a little percentage of my daily HBD rewards and send it to HBD Savings and the remaining percentage are swapped to Hive for powering up.
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I believe that it's important to build your Hive account with a good amount of Hive. This will help you to generate curation rewards and also you will get more influence on the platform because of that.
Yes, that's why I keep powering up. It is nice when the HP keeps growing.
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Oh, that's awesome! Thank you so much :)
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I have been getting 50/50 for Hive and HBD for my posts and I don't think I will change anything. 50/50 sounds like a good mix between reward and risk, i.e. opportunity for price gains in Hive (if Hive goes up) and also some stability from HBD (if Hive goes down). While 20% for HBD is attractive, I also want to have some HP to upvote posts that I like. So I think 50/50 is a good balance for me now.
I think that we should all strive to have a decent amount of Hive Power first. Hive Power not only gives value to our votes, it also gives us a certain weight within the platform that is always useful.
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Thank you!
For now I'm just staking HBD with 20% interest. Been thinking about Polycub farming too
Thanks for sharing!
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As more of a blogger than an invsestor, I'm taking advantage of the dip in the value of Hive and converting my small savings into Hive, then to HP. That gives me more capacity to earn from posts and comments. When the Hive price rises again, I'll get back to saving my HBD again and will be able to add moore because I earned more. Hopefully, one day I can do the same with only withdrawing part of my HBD but as I only had 20ish, ist a small gable at the moment.
Excellent decision! As a blogger, that's the best way to do it as you are investing in yourself by powering up your HIVE!
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I hope that I can stash more HBD away soon though to get some benefit from that 20%
I may even be able to afford some extra !pizza
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Currently when I earn HBD, I convert enough to have 10 Hive for Hive Power Up day on the first of the month. The rest of the HBD I put into savings. I need to build up a cushion there so that I receive enough interest that I could take some of the interest and invest in other projects.
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I tend to use hive-engine tokens to have some spare Hive for the HPUD :-). So I can put more HBD into savings :-)
I'm trying to do both. The HBD I collect I just throw into savings. I've also added a little to the pHBD pool. I'm going to try to keep adding to both places moving forward. I'll keep tabs on the yields and move accordingly. Right now I don't have enough for the difference in the yield to make much of a difference in returns, but as I accumulate more and more, I'll start paying closer attention.
20% is pretty phenomenal so, depending on the risk I perceive with the PolyCUB pool, I'll probably stick with a good chunk in the regular HBD. But, like I said, I'll keep tabs on the the project and that opinion could change. Especially as the amounts grow.
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What I like about the savings account is that you get the 20% in HBD. With polycub you get poly and you need to wait 30 days until you can get your tokens. Maybe their value won't give you the presented APR...
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Up until now, I have been putting all of my HBD in my savings. However, I was not aware of the Diesel pools in TribalDex (I don't know why I didn't look there). I will have to check those out. Thanks for the info.
The diesel pools are pretty great. The APR is quite amazing.
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I am pretty passive with my account. I just put all of my HBD in savings.
That's a good solution that is easy to set up.
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None 🤣 To be honest just been saving it for the percentage i do not know enough about other options at the moment to do anything else with it.
A 101 in basic Hive and Hbd investments could be an idea, as for the most part i find a lot of people shout about options like there is a given base knowledge from the person observing the content.
It gets confusing when you get a bit of info here and a bit there, then you have to go on hours of personal research assuming you can find the information to connect the dots.
This was a helpful video though thanks @achim03
Have the best day 😎
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!CTP
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There is so much to learn on Hive :-). It took me a couple of years to get there and I'm still learning lol. Thanks for the tips!
You got that right my friend, well it is a lot of fun learning.
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!CTP You are most welcome stay safe and well @achim03 😎
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I only put a small amount of HBD into savings, as a financial experiment. Usually, I wait until the price of HIVE goes low enough like below .90 and then use all HBDs to buy.
It's a great way to wait for price fluctuations to buy Hive with HBD.
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I have a fixed number in mind that I would like to get my HBD savings up to. Once I get to that point, then I will reassess and see what I want to do moving forward. I am a long way from that number so I shouldn't have to worry about it for a while!
I also try to collect a certain amount that is budgeted mainly for the studies of my kids ;-)
Smart move!
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Very informative video. Thanks for covering the 3 options. I will take a deeper look at the diesel pools.
At the moment I just stack my HBD in my wallet as it is the safest option as a layer 1 token.
But I may consider the other options if I want to increase my HBD exposure.
I found you on ListNerds.
The diesel pools are pretty interesting to get a nice APR. However you are paid in BEE tokens and you will need to swap HBD into swap.hbd to put them there.
yes, some slippage there and the BEE market isn't very liquid. but maybe it could work. thanks for info!
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Buy HIVE if hive is at $0.85 or less
Hold both at $0.85 - $1.00
Hive over $1.00 consider dumping some into HBD
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I have almost the same strategy regarding these two... The only difference is that my low HIVE limit price is at $0.8, the rest is the same as yours :)
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My plan is just to put HBD into the savings for 20%. I don't think the liquidity pools are right for me and I will wait to see how things play out.
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Everyone knows what's the best for itself... ;) There are no wrong answers regarding HBD investing atm... :)
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Usually I end up turning it into Splinterlands cards :D Though, I've mostly been sitting on it recently. Not that I have a ton, but debating if I should start stocking up on Vouchers when they dip in price. So, they've really just been sitting in my wallet while I haven't made any decisions :D
Why do you think that VOUCHERS price will go down? If they do licenses sale soon, it should do the opposite?
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If they do it soon being the main thing in question. Mainly people/the market tends to have a short memory... prices hiked up when they announced it, but will they sustain that increase as the weeks go on without the sale starting? I feel like, unless there's constant hype, it will likely tend to dip back down a bit until there's actually a date set and approaching.
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I'm saving part of my HBD. I add a little every month. I convert some to liquid Hive so I could power up monthly too.
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That's a nice mix! I'm doing something similar with HivePower as my priority... ;)
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For the time being, I put HBD in Savings. Later, I can use the HBD interest to buy HIVE or invest somewhere else. The market is on the sideway for a couple of months. I can change my strategy in the future based on the market move as well.
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You are doing a similar strategy as we are doing with HP on Liotes... Locking them for "safe earnings" and investing the interests only :)
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Until a few months ago I was swapping HBD for Hive, but now I save all the HBD I earn through my blogging efforts. It's a quick and simple job to put the small amounts of HBD that I earn into savings, so that's all I do now. I've heard about the extra interest on alternative investment routes, but I haven't bothered with them.
BTW, I found this post on Listnerds and clicked through!
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I've been doing the same. In the last weeks and months I keep all my HBD ;-)
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Still way too clueless about what else to do, so guess this is a great opportunity to get more HBD and get a clue about what to do with it
It's a long learning process. It can take several years to know the ropes of hive.
Year one down....unsuccessfully. Now working on succeeding in year 2😁
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Currently, I am focusing on HBD in savings and HP to increase my standings. I reckon I need to check out the Liotes project. I am still kinda new to Hive so I am still learning. I like the videos, they are very helpful.
There is definitely a lot ot learn on Hive. In our posts we try to give some ideas :-)
Thanks, i appreciate it
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transferring most of my hbd to saving and earning interest monthly I will do the same till I will reach to 2k hbd in saving then I will convert most of it to hive and power up
That's a nice strategy
thank you sir 😀🙏
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Aha great 🎆🎉🥂🐳
hbd is better to have them and make a trader when it comes to raising or lowering hive
HBD is definitely great :-)
I keep it safe and simple. HBD in savings 100%.
... and you are probably right... On the other side, I like to overthink, so I do a lot of complicated, crazy stuff... and in the end, lose money... hahaha
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I do that type of thing too! But HBD is one of my safe bets.
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Turn it into HIVE with HIVE convert or block trades. I just get it because my comments are still in default rewards 50% HP/50% HBD. 😅 HBD Saving is good but for HIVE and HBD, it's just like a small passive income for me to collect and withdraw when I need it. No strategy at all. I just trade with my swap.hive and other tokens.
Even if there isn't a real strategy, it's also a strategy not to keep them lol. Thanks for sharing.
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I used to trade it for Hive and use it for HPUD every month but now with the 20% APR I am putting it all in savings looking forward to some easy returns.
It's hard to resist when someone offers a "safe" 20% APR :)
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Honestly, I have been irresponsible with my HBD. I should be putting more into savings but I've been using it to buy more POLYCUB.
hehehe... HBD is just a blockchain version of fiat money... So, if you don't have a need for fiat atm, maybe the best option is to invest in the "real crypto" like Polycub, or some other token...
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I'm just a degenerate doing degen shit lol
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I'm staking every HBD I get, I am satisfied with the 20% apr besides is safer IMO
Completely agree! 20% APR integrated into the blockchain is definitely the safest option!
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!CTP
Thanks for the tokens!
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