I agree, I'm also taking a long term approach with it. I feel it's underrated, saving/investing.
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It's a very nice and even safe option, if you can put it that way. Of course, everything has its risks, but I'm very confident in HBD for the long term.
Same here too. I think it hasn't been battle tested yet for the big leagues but that's tomorrow's problem. Besides, we have to wait for that to happen first, before making any decisions.