I'm trying to do both. The HBD I collect I just throw into savings. I've also added a little to the pHBD pool. I'm going to try to keep adding to both places moving forward. I'll keep tabs on the yields and move accordingly. Right now I don't have enough for the difference in the yield to make much of a difference in returns, but as I accumulate more and more, I'll start paying closer attention.

20% is pretty phenomenal so, depending on the risk I perceive with the PolyCUB pool, I'll probably stick with a good chunk in the regular HBD. But, like I said, I'll keep tabs on the the project and that opinion could change. Especially as the amounts grow.

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