This question is normal and routine, but I can tell you that it depends a lot on what you want and how your situation is in real life. For example, I'm trying to reach at least 500 HBD in savings in order to have a reserve fund + passive earnings (the 15% APR).
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"Reserve fund"...that is what I was thinking about HBD...
It's good and I think it's the safest Hive asset to invest in. Of course, nothing here is 100% safe, but HBD is the least risky in my opinion.