Keeping a little HIVE is a great idea, maybe 5-10% of one's crypto holdings. The return is just inflation and the lack of user growth means there is no emission inflation and just fiat printing, implying the price will go down over time. So the 10% or so passive returns are counteracted by this inflation. My proposal to reduce inflation (burning) wasn't very popular however since most of the inflation goes to witnesses, whales and recipients of the DAO so why would they vote to stop it?