HBD withdrawals takes 3 days.
EPF is long time cannot really touch. Even with Account 3 also takes 3 working days at least.
HIVE Power requires 13 weeks.
I thought you were emphasizing long-term so I feel it's ok leh. It's really hard for money to be liquid if you want money to be earning for you.
Oh yes diversify of course.
I mean it's ok la there's market for people some may use some may not use. As long as it works for those that use then it's all good~. just don't kena scammed o.o