the underlying loan is 36 months, but you only have to keep you money in there for 1 month as you can see there is heaps of money waiting to be lent that will take that loan off your hands at the end of the month.
Even during COVID panic it only went out to an extra 30 days, so I think I would much rather 3% than 1.7%.
but if you want to accept a 50% lower return for a shorter term, by all means take it,
IPO - Plenti Group Limited, page-257
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