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I’ve used it for a couple years and really enjoy it. I’m pretty passive in my management so it pays way more attention than I would. I think it likely keeps more in cash than I would chose, but sacrifice I’m willing to make to be mindless about it.
Only thing to know is you can’t quickly pull money out. It’s a few days for it to react to requests to change. So if you’re not comfortable with riding big ups and downs without control, don’t bother.
Can’t speak to BDIP.
Go to Dnet and search “BDIP” to see all allowed brokers