Shirley is deciding whether to hold onto 100000 HKD in her bank account, or to buy stocks, bonds, or real estate that will yield her earnings, interest, or rent (that pay her some amount each year, less costs). The yield on stocks is 0.04 dollars per dollar invested, per year; the yield on bonds is 0.14 dollars per dollar, per year; and the yield on real estate is 0.09 dollars per dollar, per year. Shirley’s opportunity cost of putting all of her money in bonds is
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