If u mean for the purposes of international development, I think they are generally at least somewhat good or break even. Ideally it is an extra option for people to have access to capital investment. I don’t know much about how it is/might be abused, however.
I looked into them as retirement vehicles in 2021 and was unable to find one that really gave any non-negligible returns, which is a shame cause while not purely altruistic, it would likely get lots more interest from people who have trouble both saving and giving.
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