Powering up you account (Staking hive) is a really good option if you are planning to be around for a long time, or if you are actively voting on witnesses, proposals, and other peoples posts, its not that important if you're just trying to make short term gains.

My advice is to split your earnings.

• Have Hive for the hopes of gains.
• Have HBD for a good stable investment (when put into savings) and to move around the network,(buy art, play games, etc.)
• Have a good amount of HP to encourage others to post more on hive by contributing to their post rewards (and getting a little back yourself)

You WILL get better earnings putting HBD into savings than powering up your account in the immediate future but over time that will shift as there are a good number of users that make all their earnings off of voting on posts instead of publishing them.