You have done a great job, my friend and of course it's difficult for me to give you 100% advice to you, because this is your money and you earned them by honest work! I'll try to risk you to choose the first two options that you wrote, but I think the third option is useless, but here the first two have a certain sense even now and distribute half the SBD to the first option, the second half to the second, as if using the principle of "not laying eggs in one basket ". You can, of course, have one more option, such as to convert to SP and delegate them, then get interest from it. Thank you @talanhorne