imo best thing for tezos holders is to delegate to a delegate service with dynamic fees and just enjoy the new XTZ that will come to you. Tezos is cryptomining made simple
with the projection that has been made you can make a lot of money extra just for holding and delegating XTZ.
I mean if you have 10000 XTZ you make 6290$ per year at this price(2.32$) and a baking percentage of 17.29%
when the price of XTZ reaches 10$ this amount is 27000$ per year under the same conditions.
and if the price reaches 25$ this amount is 67000$ also under the same condition according to
https://hackernoon.com/how-much-income-does-tezos-pay-and-how-to-earn-baking-income-46743bb28e3b
and those price ranges for XTZ(10$ and 25$) are not so hard to achieve.
i mean isnt buying and delegating XTZ a no brainer?
It actually seems like right now that is absolutely right. But more and more people will claim their XTZ and the % will drop. I don´t think more than 5% return on delegated staking will actually be realistic in the long run
For someone with a full roll of 10k xtz, 5.5% expected annual return is unrealistic because this is with 100% of the network baking. There are many who lost ico passwords or pdfs, and not everyone who can bake will. I don't know the highest the network will ever see, but I'd be surprised it if was over 80%.
So you think the annual return should be higher than the 5,5% return since a huge chunk of supply won´t bake ?