One of the best aspects of steem that a lot of people overlook is that is works for you. Even if you leave it in your account as SP it is getting interest. And not only are you getting interest but your interest is coming in by the second. You may not notice it at small amounts but go to a wallet with a big SP holding and refresh the page. You will see the steem start to rise. Dividends are one of the smartest investments you can make as they build faster as they build. This is a great way to grow your account and with SP going up by the second you see the effects of dividends better than you would in an investment that pays monthly or weekly dividends.
On top of that you got delegation power which is risk free and voting power to earn more steem. If you are holding cash or a stock you would not be getting so much value for your dollar. And there is also the chance that steem starts to go up a lot in the upcoming months and years. It is one of the coins that even if it sky rockets it value I would consider keeping as much as I can so I can live off of dividends.
As we are not clear of the bear market keep an eye out for coins like steem that work for you. Your coin price might not increase but if you have more coins at the end of the year you will be ahead when the market turns.
And like always only invest in what you can lose.