Chocolate finance so far stable monthly return as promised

I use Chocolate finance as a way to park my money, that will be utilised within the next 6 months and my emergency funds. While I use Syfe core equity100, for money that I likely wont be needing for the next 5-10 years.

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I think Chocolate fin is pretty safe and stable, however, I feel they are decreasing their interest rates pretty quickly (yes i understand the economy is not doing that well now), it decreases from 5% to 4.2% to 3.6% now. I might wanna switch soon to its competitors soon if it continues.

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Robo-advisors wise, i think it's a great way to start investing in equities, you don't have to deal with all the complex diversification, research, and even interfaces of investing. And this was also where I got started investing in equities before touching individual stocks.

Tbh, I can't take the name seriously

It is not really comparable since Chocolate Finance is investing into fixed-income funds which is relatively safe and only for growing your money to defeat inflation while robo-investment is more risky as it invests into multiple assets but it might provide you with higher return (more for long term)