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Which coupons better?

$Fullerton SGD Cash Fund (SG9999005961.MF)$ #1. 10 days x 10% or #2. 3 days x 20%? which do you prefer? With 1 day delay for top up and 2 days for redemption (3 days total), option #1 gives you 100% in 13 days. Option #2 gives you 60% in 6 days. So Option 2 is better correct?
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