The nice thing about the HBD savings is that it is stable. THE HBD in my account has the same value each day, which is soothing during price fluctuations. The 20% compounding makes it even better. I don't spend all day checking on HBD like I do on Hive. Of course, I hate to see my HVE value decline, but the investor in me, just says, buy more. I'm just looking for the bottom so I can load up!