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Vaults are designed to maximize returns by selecting high-quality pools and managing the delegation strategy, which might imply a level of added diligence and potentially lower risk for delegators unfamiliar with selecting pools. Vaults also have a longer withdrawal time of 21 days compared to StakePools, which have a 14-day withdrawal period. StakePools allow for more active participation in controlling assets. Additionally, Vault yields are shown in APY due to easier compounding, while StakePool yields are shown in APR

Vault if you want someone managing your stake on daily basis. Pool(s) if you want to managing your stake. I.e. check if apr is good, check if other pool offers better apr, etc. In both cases, your pha is 100% safe

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