Recently, I've seen everyone comparing RWA, short-term bond yields, and various on-chain "returns" together. Honestly, don't rush to chase the highest ones first; think carefully about where to put your money... Otherwise, earning a little profit and losing the principal is even more painful.

My rough categorization is: for small amounts of money, don't overcomplicate things. Hardware wallets are enough; the key is not to take photos of backup phrases or lose them. When the amount starts to grow and needs to be managed by family or partners, multi-signature is more like a "system," but it’s really troublesome—if one person doesn’t sign, nothing can move. As for social recovery, it’s suitable for those who are afraid of slipping up or forgetting, but you must truly trust those "contacts," or else it’s just changing the form of risk.

Anyway, as the asset size increases, the "returns" from security are often more substantial than the small interest on-chain. That’s it for now; gradually adjust your allocation.