Great breakdown between HBD and HIVE. Newbie here.

For fiat US currency, I usually invest in index funds and have an allocation between stock and bonds. This diversifaction helps me maximize the returns while protecting against downturns. I’m younger and can take more risk so I’m at a 80/20 split (80% stock, 20% bonds).

I wonder if this same investment approach works for this scenario. I’m new to crypto so my understanding is that HBD is similar to bonds where it’s stable and less risky. HIVE is more risk for more reward like stock. So I’ll probably do a split to diversify.

Any thoughts there?

Also basic question: How long do HBDs stay in the savings before you can withdraw?