Theres a shit ton of risk with steem being a retirement investment. I really try to not think of this as an investment and more of it as a buisness.

Its a double edge sword, one side says that steem will rise, but steem will only rise if the excess is soaked up by someone, but for someone to soak up the massive amount of liquid steem out there, then there must be a real market demand. its hard to find that many users until DAPPs really begin to take off for a specific reason. When that might be? Im not sure. Maybe the world isnt ready for DAPPs yet.