I have several words to add.

It may seems that in this way BitMoney and investments are incompatible, but it's no so.
The thing is that good investments may be done not in BitMoney, but with BitMoney. Perhaps we'll see an example in not very far future.

The currency is not for buy and hold strategy of course (this strategy may be useful only if BTM is oversold in a moment). But it's no reason to make one more currency with the same properties like complexity growth. Our goals are deeper and we hope that BitMoney users will find a way to use it with benefits in many areas.