Shall I hold or invest with %12.5 premium per year ?

[USB-S]

50 : 50 will be good, safe as well as good ROI.

btw 12.5% is just awesome ,twice as much as what we get in our local banks

I should invest in such bank if possible.the place where I live we get 6.25 - 6.75 %

Here is also same i can't even get 10% annual interest with fixed deposit in banks. There is already lots of money in banks, not any idea with bank where to invest those.

here with my bank in the netherlands i can't get even 3% per year as fixed deposit. you can get 4 to 5% at most if you let your bank lock your money for 5 years minimum.

same thing here not as bad as your, but we get only 1-2% interest on the best bank with a deposit that must remain untouched for 1 year

Some swiss commercial banks are starting to give negative interest rates on deposits. Consider yourself lucky.

[bryant.coleman]

Some swiss commercial banks are starting to give negative interest rates on deposits. Consider yourself lucky.

I don't understand this negative interest rate thing. So If I deposit CHF 1,000,000 in my bank account today, I will be getting CHF 990,000 after one year? This is pretty much retarded as well as insane. In that case what stops me from storing all that cash in a safe at my home, rather than depositing it in the bank account?

[tmfp]

Some swiss commercial banks are starting to give negative interest rates on deposits.

That's not really so.
One small Swiss specialist retail bank has said it will do so next year.
Central banks have been charging commercial banks negative rates for some time in Europe, to make them use QE money for the purpose intended, lending to stimulate economic activity, rather than keeping it on deposit to bolster their capital reserves.

Most people realize that baldly quoted high interest rates are meaningless.
The only time you will get more net fiat is when the interest rate received is higher than the real inflation rate. That doesn't happen very often, but if inflation was more negative than the negative borrowing rate, you'd end up with a 'profit' nonetheless.

Strange times: in the UK bank deposits pay dust, but TV ads for payday loans at 1000% apr are legion.

[btckold24]

the only problem is I think bitcoin will double when the halving comes. So maybe wait for that
then do it?

[hunnaryb]

the only problem is I think bitcoin will double when the halving comes. So maybe wait for that
then do it?

Bitcoin is not going to double at the halving. Get real.

[Amph]

the only problem is I think bitcoin will double when the halving comes. So maybe wait for that
then do it?

Bitcoin is not going to double at the halving. Get real.

speaking of which, we have already seen a double until now, and right now we are at around 80% increase, so when the halving kick in, you're right we won't double, but mostly like do a nice x4 versus the previous value, which was 230...

do not think that the last pump has nothing to do with the halving already, the effect of the halving can enter much early than many believe

[Betwrong]

the only problem is I think bitcoin will double when the halving comes. So maybe wait for that
then do it?

Bitcoin is not going to double at the halving. Get real.

speaking of which, we have already seen a double until now, and right now we are at around 80% increase, so when the halving kick in, you right we won't double, but mostly like do a nice x4 versus the previous value, which was 230...

do not think that the last pump has nothing to do with the halving already, the effect of the halving can enter much early than many believe

Yes, I agree, halving has affected the price already,  but on the other hand I don't think we'll have "x4 versus the previous value" by summer because we already had the effect almost to the full extent. I think the price will be around $500 per coin by summer but not higher than that.

I wish you were right though. )

[asuryan180]

the only problem is I think bitcoin will double when the halving comes. So maybe wait for that
then do it?

Bitcoin is not going to double at the halving. Get real.

speaking of which, we have already seen a double until now, and right now we are at around 80% increase, so when the halving kick in, you right we won't double, but mostly like do a nice x4 versus the previous value, which was 230...

do not think that the last pump has nothing to do with the halving already, the effect of the halving can enter much early than many believe

i don't think it has , cause we don't see any MNC's investing in bitcoins or any other crypto's .
There is no guarantee about price increase and why should there be any ? If price doesn't rises then people will stop mining and difficulty decreases.
However OP i would suggest you to cashout 40% of you coin's holding and invest in whatever bonds you have there.

[InsideBjorn]

Well for me I just hold it for now, because I don't have a lot of bitcoin.
Do what is the best for you.

[Cs87kxy]

Hello all,

I've good sum of bitcoins, and they represent good sum as well in my local currency.

I was thinking about selling all my bitcoins, lock that fiat money in investing certificates in my bank where I get %12.5 premium per year and buy bitcoins every month (it will take some time to re-buy again all my bitcoins, but not that long, could be 1-2 years as I will include my fiat salary as well).

Or, shall I hold and keep holding ?

If you were me, what would you do and why ?

Thanks in advance.

wow 12,5 % of interest yearly in my country are really a lot of money!
here a bank give max a 3% and you have to "lock" the amount for at least 1-2 years!
I think that a "secure" return like this is the best link between risk and ROI... also people from other countries can open an account in this bank?

[gkv9]

the only problem is I think bitcoin will double when the halving comes. So maybe wait for that
then do it?

Bitcoin is not going to double at the halving. Get real.

speaking of which, we have already seen a double until now, and right now we are at around 80% increase, so when the halving kick in, you right we won't double, but mostly like do a nice x4 versus the previous value, which was 230...

do not think that the last pump has nothing to do with the halving already, the effect of the halving can enter much early than many believe

You are right, and not just that it is related to halving, but one should absolutely hodl and wait for the price rise as investing somewhere with so-called "PREMIUM" won't be much promising as Bitcoin is, the rates have been dumped and pumped loads of times, but one should know when to enter and exit...

[Mickeyb]

the only problem is I think bitcoin will double when the halving comes. So maybe wait for that
then do it?

Bitcoin is not going to double at the halving. Get real.

speaking of which, we have already seen a double until now, and right now we are at around 80% increase, so when the halving kick in, you right we won't double, but mostly like do a nice x4 versus the previous value, which was 230...

do not think that the last pump has nothing to do with the halving already, the effect of the halving can enter much early than many believe

Yes, I agree, halving has affected the price already,  but on the other hand I don't think we'll have "x4 versus the previous value" by summer because we already had the effect almost to the full extent. I think the price will be around $500 per coin by summer but not higher than that.

I wish you were right though. )

You can never be so sure about this. Add 2 or 3 really nice news about Bitcoin until the summer to the halving fact and I am sure an increase all the way to a $1,000 is more than possible!

[countryfree]

12.5% premium per year?

Where do you get that? Obviously, you're not living in Europe, nor in America. So must consider how much inflation you get in your country and how your currency fluctuates against the US dollar or some other strong currency. Another thing to consider is that keeping money at the bank can help you getting a loan if you think about buying a property.

[1aguar]

You can buy futures with some of your coins and invest the rest in certificates.
This is the most efficient way, but you need to decide on a risk management strategy.
It depends on whether there are local currency instruments available for hedging your position; you would probably have to open a position in the forex market to hedge the value of your local currency versus the USD.
You can decide your risk management based on your expected income and your risk appetite.
For example, if you have 2 bitcoins and you invest 1 bitcoin in futures at a leverage of 2x, you can then use the remaining 1 bitcoin for investment purposes because you are hedging the value of 2 bitcoins and your futures position will gain value as if it was 2 bitcoins even though you only invested 1 bitcoin in futures. However, if the price drops significantly from where you bought the future (about 50%), there is a risk that your futures position will be closed at a loss and you could lose 1 bitcoin unless you deposit more funds to keep your position afloat.
I suggest watching the lessons about futures on Khan Academy to learn more.

[justspare]

I would definitely invest. 12.5% is a very good rate and right now, Bitcoin is steadily rising so you should earn quite a lot. At this day in time, you don't really want fiat. Just invest.

[tmfp]

I would definitely invest. 12.5% is a very good rate and right now, Bitcoin is steadily rising so you should earn quite a lot. At this day in time, you don't really want fiat. Just invest.

You don't even have the excuse of a signature campaign for posting nonsense.
The 12.5% return means keeping his funds in fiat not Bitcoin.
 

[tmfp]

Yeah, we gather that you like it ivan, probably why you've posted it in nine different places.
 

[crazyivan]

Yeah, we gather that you like it ivan, probably why you've posted it in nine different places.
 

Sorry, it was not my intention to spam. Just love that coin and yes, I ve been a holder for almost 2 years. It has brought me nothing but profits.

[zodiac3011]

hold it and use your salary from real life to buy more bitcoin is an option I think. We can all see that if someone bought bitcoin 2 months ago his investment is doubled right now!

[tmfp]

Well, I made my mind.

I will keep buying and hodling BTC, because as many of you said, we can witness a bubble or another amazing bull market run that can dust away that %12.5 premium easily.

Thank you all for your help, and you are proving for me, that day by day, we are a big lovely family.

Thanks again.

BTW, attention all sig spammers, the OP made up his mind a month ago.