RE: Saving has no point without yield!
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Unless it is a hedge. I can see holding some things for the speculation/hedging nature in case of massive market moves or economic catastrophe.
However, we need to focus upon return. The fixed income market is huge for Hive and Leofinance.
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In case of economic catastrophe the chances are pretty high that savings will be worth squat when it happens. For speculation, there are very little people in the world that truely can predict the market, history has proven that being in the market is 99. % of the time the best choice in the long run…