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Actually, I would consider SBD to be the safe bet, with Steem being only slightly more risky (because of its current higher than average value). Of course, investing into Steem was my first instinct, but I don't think I'll see a lot of quick growth from it, which is what I'm looking for at the moment.

Another point about Steem. I would really like to be able to, one day, look upon my (hopefully) absurd amount of SP and say to myself "I built this. I put in the work, and built it all post by post, comment by comment."