well, at the moment I have more steem then BTC and I want to change that a bit, I would take the BTC and put it in one of the DEFI banks that give me roughly 5% per year on Bitcoin which cumulates as well so you also need to take that into account in your calculation
SO... GIMME
I don't know much about DeFi, do you have a good link I can read up on it from?
below are 2 intros. I use Nexo https://nexo.io/ for my stablecoins because it compounds daily
And use Celsius: https://celsius.network/
if you sign up for celsius, https://celsiusnetwork.app.link/15398955a5
https://cointelegraph.com/explained/decentralized-finance-explained
https://blockonomi.com/what-is-decentralized-finance-defi/