And again that's just 4.6% net, but if marami ka disposable ok lang. But for those who are almost fully invested na, better wait for higher yields. May mga notes ako na 4% net lang maturing late next year pa ang earliest so I set my threshold at minimum 5% na, much better if 6% pero usually mahirap kumuha ng mga ganito.




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I mean that as a compliment ha!

