I think one day soon that 70% parking is going to disappear. We take that 70% for granted. When the 70% drops to 40%, you will wish you had parked some at 70%. As the monthly % quickly drops, if price continues to rise, you will have coins locked in 12% monthly when the yearly drops, and you will have missed your window. So please realize that when you say "monthly is the best option" you really mean "monthly is the best option at the moment" but I doubt that is the long term truth. There was a time when daily was the best option, and there was a time weekly was the best option.
just 2 cents
I think about this alot but i still think monthly is the best because there's a high chance there will be at least another crypto crash in the next yr and that will probably raise interest rates
If your read the whitepaper, the interest is supposed to be in the 40% range at some point this year. The interest is not going to jump back to 70% imo just because the price drops after they go to a 40%/year interest. If adoption of Minexcoin grows, and there is a large number of new users utilizing the parking option, higher interest rates won't be sustainable regardless of USD price. You can't ignore the great monthly interest though, my personal strategy is to utilize the monthly interest in a staggered setup, so I have interest coming in 2x/week, and I place the coins I earn on interest in the 70%/year, and I will continue to do this until the yearly rate drops, I don't want to be sitting there wishing I have 70%/year interest when the monthly is 4%
if crypto crashes again, there will be less minexcoin users for a temporary period and the price will fall as well thus increasing interest rates. This is the same thing that happened january. Even if there somehow isnt another crash this yr (i would bet my life there will be at least another 40% drop), 12% monthly over 4 and a half months is pretty much 70%. Even if the monthly slowly drops to 5%, it is still more profitable. The only way the yearly would be more profitable right now is if the price of mnx were to skyrocket in the next few months, and never crash over the next yr. I guarantee you this will not happen. 6-12 months from now I think the yearly might be more profitable because i can see mnx taking off in 2019/late 2018