It really does depend if you are investing short term or medium to long term. The stated tiger rate of 4.85% would no doubt be an average figure, and success depends on your knowledge of the stock market. If your knowledge is good the medium to long term this is the path to take.
A guaranteed (subject to interest rates and Apple's whims) 4.15‰ is perfect for people nearing retirement and risk averse people. You may also want to choose to invest money at Apple's rate to hedge and diversify your medium to long term investment goals.
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