Yes u are right but... that is an example...u can just move BTC or LTC to Bitstamp and change it into fiat... to feel safer. Depends on the amount and the situation I guess. But for now still although all the fud about Tether I think it is still safe, didnt they hardfork it and get the hacked money back? But definitively agree with you, any decent amount should be better kept in fiat rather than USDT
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at Bitstamp I have only BTC right now... I miss the height to change in fiat...so I hodl and wait next month to buy more... all other cryptos I have in two Iconomi funds Blockchain.Index (BLT) and Carus-ar (CAR) and some tokens in MEW.
How are BLT and CAR doing, do they beat the market average(top30 or so)? What about the fees?
Read this https://steemit.com/cryptocurrency/@seckorama/blockchain-index-blx-iconomi-fund-reaches-47-41-monthly-roi