There is no simple answer. All investment decisions are personal. HBD in Savings will earn 15% returns anually. The interest can be claimed every 30 days. Since HBD is pegged to USD and holds the peg well, there is no upside potential in holding HBD. It only provides stable 15% APR in USD value.

Hive on the other hand has no limits for upside. If alt season were to happen it can 2x,3x,5x the current price. Holding HP does earn smaller interest and curation rewards. Just like with any non-stable coin asset Hive can drop in price as well.