All in all 5% really is quite a crappy return. You would be much better off investing in other ALTs and making your money off of the market, or one of the other many POS coins that are or will be soon available that pay more.
sure,they pay more,like BUZZ scam coin,go,invest,what those coins can without only staking ?NOTHING ,half of them dont even have website,no roadmap,pure copy of scrypt algo and PoS,thats all they have.