From 6% to 15%: How I’m Boosting My Retirement Pension with HBD Staking

I secured my retirement pension assets using interest from HIVE HBD staking.

I had been accumulating pension assets by constructing a 60/40 portfolio consisting of evenly diversified stock ETFs like VTI and VOO, primarily in the US stock market; BND, a stable US overall blue-chip bond ETF; and IAUM, a gold ETF.

Recently, I moved beyond holding only US stocks and added an ETF called VXUS, which diversifies investments across global stocks outside the US.

My expected return was 6%, with a maximum drawdown of around -15%.

While reading posts from friends on Leofinance who consistently post about Passive Income,

I learned that HIVE Dollar (HBD) is pegged at $1 and pays a whopping 15% interest when staked.

Since my existing portfolio provided a 6% return,

I planned to withdraw the funds after retirement at a 4% withdrawal rate.

Will HBD staking really last forever? There have been past failure cases, such as Terra Luna, where the blockchain ecosystem was destroyed by the Death Spiral.

At that time, they issued a stablecoin called TERRA DOLLAR (UST) and claimed it was pegged to $1 via an algorithm.

However, as lawsuits proceeded following the crash, it was revealed that the coin was maintained by a fraudulent mechanism in which companies with massive U.S. capital, such as Jump Crypto, purchased tens of billions of dollars worth of UST coins whenever the price dropped, thereby propping up the price.

Unlike Terra Coin, HIVE COIN utilizes HIVE and LEO coins whenever users create threads, vote, or publish blog posts within the various HIVE communities.

I believe it is a solid coin with a trustworthy community that has maintained a healthy environment for over nine years.

If the AI bubble crash begins, will HBD survive? Recently, the Philadelphia Semiconductor Index has hit an all-time high, and the semiconductor ETF SOXX and SMH, which holds a large amount of AI semiconductors, are rising after breaking through their previous highs again.

Warren Buffett's Interview: Berkshire Hathaway is stockpiling cash.

Warren Buffett appeared as an audience member at the general shareholders' meeting and gave an interview. When asked what he thought about the current situation where the S&P 500 has hit a new record high, Buffett reportedly used an analogy, saying that the current situation is like a church and a casino next to each other, with everyone showing madness in the casino.

Buffett stated that the time for Berkshire Hathaway to inject cash is about once every 12 years during a market crash when no one is answering the phone.

The Philadelphia Semiconductor Index has risen to an all-time high, and the SOXX SMH semiconductor ETF and DRAM ETF are also breaking through their previous highs.

Should I engage in trend-following trading? Or should I allocate assets?

This is where interpretations diverge.

Trend-following trading techniques pursue a strategy of maximizing profits by increasing investment capital through "averaging up" from the moment a previous high is broken.

In contrast, the asset allocation investment methodology involves selling a certain percentage of high-performing ETFs and purchasing India and China RTFs that have not risen much, along with U.S. 10-year Treasury Bonds, U.S. Ultra Short-term Bonds, and Korean 10-year Government Bonds, in proportion to the sell-off.

Now, let's think about this.

Should we jump on the bandwagon of the current uptrend seen in DRAM and SMH?

Should we wait, as they have already peaked and there is no pullback yet?

It looks like it will be a very difficult week.

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