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$United USD Cash Fund-Class R (MYU0100A8420.MF)$ 5.2% isn't ...

$United USD Cash Fund-Class R (MYU0100A8420.MF)$ 5.2% isn't it higher than bank fixed Deposit, why not jus switch all my money here instead of putting in fixes deposit? Does it have any risk?
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Just a stock market rookie trying to turn my pocket change into cosmic treasure 🚀
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