<<<<14% annual yield plus a 20% depreciation/year for 5 years. There is no market or interest rate risk and the principal is returnable anytime with no penalty or fee.>>>>There is no fully refundable, 14% yielding instrument that has no market risk and no interest rate risk. It does not exist. No one who could really offer those terms would ever need to pay 14%! EVER!Just my $0.02. Regards, JAFO
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