Not all DeFi projects are safe, and not all of them are the same... Sometimes the difference is so big, but if you don't get into the details and research you don't see it... I know that there are some "sexy" looking websites that lure you to invest, but it's similar to when you are buying a car... It's not everything outside, the most important it is under the car hood!
So, there is a reason why you can earn "only" 9-10% on HIVE curation, or "only" 12% on HBD locked in savings, and on the other side, you can see DeFi websites that offers you over 100, or even over 1000% APY for adding liquidity to their pools... Believe me, I'm the first who is always checking for new DeFi opportunities where I can (re)invest my crypto and put them to work more effectively...
But, there is one very important thing that I have mentioned in my previous posts many times, DIVERSIFICATION... I insist on that probably because I want to remind myself to keep doing that as I'm also getting distracted by all these new shining things... Okay, we know, we have to diversify our portfolio in different tokens and crypto, but there is more...
When you are doing diversification, you should think about the "level of risks" of investing in different projects... For example, if I power up my HIVE and curate with it, I will receive a max 9-10% APY, but that is a very low-risk investment... Okay, HIVE can go down (or up), but my funds can't be rug-pulled!
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On the other side, if I invest my money and provide liquidity to a certain pool, I'm SENDING my crypto to a certain smart contract and that crypto is held in a 3rd party "place"... It can be hacked, the contract owner can scam investors... The APY is sometimes much higher than on HIVE (or for HBD savings), but the risk is much bigger...
So, long story short, when you are doing diversification of your portfolio, take into consideration the level of risk of investments... You (and me) need those boring "safe" lower APY investments in your portfolio as they will give you stability... On the other side, if you have some crypto for taking more risks, you can jump into other projects and earn those juicy percentages... But always DYOR and do not invest more than you can afford to lose...
So, there was no big difference between my progress regarding last week and I didn't color any new cell in my small #MyHiveGoals table... Still have 2 monthly goals in red, and, as this is my last report for February, it will stay like that...
I don't like the fact that my monthly HIVE Power goal gap between expected and realized numbers is bigger and bigger... But, I will not quit before the end, that's for sure... There are still 10 months until the end of the year and anything can happen! I'm going deeper into DeFi stuff and will try to convert some of the profits back to HIVE... Of course, I'm not in a hurry to do that, but I will try to wait a bit "better price" to do that... HIVE markets are very dynamic lately giving a lot of opportunities to buy this precious token with a discount!
I have mentioned in the last report that the other "red monthly goal", the LEO Power is in a similar position in HIVE... But, there is a difference as I will use actual LEO to provide liquidity in Poolycub when it goes live and earn some tokens in that way... Also, I wasn't that far away from my monthly goal, so all good!
I know that I have said that I will not force my WORKERBEE goal until the price goes lower, but, I have placed some BUY orders at a price that suits me... And, the order got filled so I got more of WORKERBEE tokens for a nice price... This week, I have added 50 more to my stake!
The same goes for the BEE POWER goal... Not pushing too hard, but as much as I need to "cover" my monthly goal... I have added 8 BEEs to my stake, sold the rest for HIVE that I will use at HivePUD!
GAMING GOALS
My RISING STAR goal is doing great... If you didn't know, when you have more cards, they give you more fans, skills, etc. that help you to accumulate STARBITS faster... When you have tokens, you buy packs and close the circle... ;) In that way, you are growing your earnings and you can put something on the side, or buy some cards that are discontinued... Price of those cards can go only in one direction... ;)
My concerns about the SPS token goal from the last week were on spot... I have stopped with my daily stake of 200 SPS and lowered that number to 150, as I'm getting fewer tokens from the airdrop... Will that be enough to hit my yearly goal? We will see... This week, I have added 1350 tokens to my stake...
It's time to update the numbers and put them into the spreadsheet until the next week! So, freshly updated numbers for #MyHIVEGoals, on February 27th, 2022 are:
Join us in this awesome #MyHiveGoals and let's grow together! You can find the original post about the challenge by 
Thank you for your time,
ph
The link to my initial 2022 Goals Edition is here...
These are my initial goals for 2022 created on January 2nd, 2022:
Update 06.02.2022.
BEE POWER 2500 --> 3500
RISING STAR NFTs 5555 --> 6000
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