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Mr. Santos and Mrs. De Dios are two investors who separately deposit PHP 50,000 in different investment funds. Mr, Santos invests in SBT Money Market Fund, while Mrs. De Dios invests in WHT Fund. Mr. Santos receives a 5% compound quarterly return for 2 years while Mrs. De Dios receives 5% compounded semi-annually for 18 months. Which is the better investment?

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