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XTZ · 29w

Question about coinbase vs delegating to a baker

Hey there I'm new to Tezos and had a quick question. For example, if I buy 100$ on coinbase, they offer a 5%ish return and charged a 3% fee to buy it. Looking at delegating to a baker, they charge a 15% fee. My questions are, what is that fee/what does it get taken out of, and what is the return from letting them bake with coins I delegate to them. Thanks! Sorry if this is a dumb question.
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