I think you are losing 5% each year if you hold in Steem Power. If you hold in Steem Dollars you will get 10% interest. If you are holding Steem then you lose 100% each year possibly but all that depends on where the price is at. It is complicated. I just upvoted you! I just posted steemit's first pool meeting where I talk about my initial thoughts about it. Check it out! https://steemit.com/steem/@brianphobos/first-pool-meeting-on-steemit-initial-thoughts-and-advice-from-someone-who-has-made-money-online-since-2008