I want to know if it would be a good idea to create an account per year and have all salary bitcoin deposits go to this account and archive at the end of the year and create a new one for the next year? The idea behind HD that will create a receiving address for every deposit throughout the year for every month.
Thanks,
If it was me I would rather look at cold storage i.e. a paper wallet or offline wallet with either Armory or Electrum if you plan on storing the fund in there for such an extended period. Do not think it is a good thing to leave all those funds in an online wallet. I believe that the security of MyCelium should be fine but I would sleep better knowing that those funds are in cold storage.