I understand your point.
First of all, the monthly with compounding is 265% profit vs 70% profit yearly, and of course I know that, hence why i only reinvest my paid interest in yearly, and put the other coins back into monthly(which obviously monthly is more profitable at the moment, a monkey could see that, congrats, u are at least as smart as a monkey)
Two months ago the monthly was 19.5%, and two months from now, the monthly might be 5%, and two months from then it could be 2%.  So you aren't going to get 12 months of 11%, so doing the yearly math on the current monthly rate is misleading you guys, and once the yearly rate is gone, and down to 40%, then the monthly benchmark might be better than that, but it won't be better than the 70% you could have locked in TODAY!  Obviously you don't have much foresight if this doesn't make sense to you, maybe after the opportunity has passed you by, you will look back and understand where you fucked up.