I am investing in Polycub/USDC. But instead of harvesting and pay half penalty, I lust let it accumulate. And I been trying to convert some HBD to Hive. Then if it rises I can swap back to HBD. Then I put it into Savings for 20% APR !
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It's a good idea to let your poly tokens accumulate. I harvest them but I let them locked so that I don't have to pay the penalty which would reduce my income by half.
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