I think when hive has a pump next it may be a good idea to keep some HBD in liquid form as well as in savings but also keep assets outside of hive as there are easily stable coin investments that earn what the 20% is like stargate, radient finance etc where you deposit say usdc and earn usdc, rdnt and arb or deposit usdc and earn stg which all can be sold for more of what ever you want and is much more stable than HBD which can de peg and i dont consider it the most stable but it is a good holding to have in general as part of a portfolio but I know some people who have tons of it for retirement and that seems a bit dangerous to me all that has to happen is for HIVE to fail which is a possibility as with any newer tech like crypto and all that. I would go with diversity over many of the protocals out there as there are some that are much better than HIVE for ROI and in my opinion less risky.