Quote from: HowardF on December 04, 2014, 04:16:37 PM

I'm not saying bag holding is a good or a bad thing, but I think people sometimes don't realize how high BTC is going to have to climb to beat the other investments you can do in this space. Based on my last years average return of 0.1026% on USD margin, lets look at some numbers:

Starting with $370 (current price as of posting this) and lending on Margin

On You'd Have
Dec 31st, 2014 $ 378.81
Dec 31st, 2015 $ 520.72
Dec 31st, 2016 $ 716.42
Dec 31st, 2017 $ 984.81
Dec 31st, 2018 $ 1,353.73
Dec 31st, 2019 $ 1,860.87
Dec 31st, 2020 $ 2,560.22

I agree with your conclusion, but as interests are paid daily the correct formula for balance after x years would be

f = (1+RATEPERDAY/100)^(365*YEARS*EFFICIENCY)*INITALBALANCE=

with EFFICIENCY = the percentage of time you expect your offers to be taken as opposed to waiting to be taken.

So the difference is even more pronounced.
Notice the way the funcion blows up for higher rates, gotta love exponentials