I advocate straight forward products - equity, bond, currency, deposits - that are transparent and fair to consumers.
It is all right to take risk, such as investing in equity or foreign currency, provided that you get both the upside and downside of the investment.
Here are the methods to reduce risk:
> diversify, i.e. invest in a fund containing many investments
> invest for the long term, to average out the good and bad years
You can reduce the risk (through diversification and long term averaging) and get the higher return from equity or foreign currency.
I advise investors to avoid all types of structured products (e.g. capital guaranteed, credit linked notes, dual currency investments), as they are structured to hide high expenses and profit margins and give a poor return to the investor.
I also advise investors to avoid investing in most types of life insurance products (i.e. whole life, endowment, investment linked policies) for the same reasons (i.e. high charges, poor return to policyholders).
You should avoid all types of investment products (i.e. bank or insurance products) that are marketed to you by sales representatives, as they have high charges to pay the distributor and to make profit for the product creator.
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10/26 - 11/02
- Compare toxic financial product with melamine
- Why are banks allowed to sell structured products ...
- Trace the IP address of SiewKhim
- Scuffle in HK Protest Over Lehman-Linked Products
- Speaker's Corner - 1 Nov 2008 5 to 7 pm
- Speaker’s Corner 1 November 2008 - Speech
- Use your real name
- Educate the public about the structured products
- Invest in transparent and fair products
- Petition #4 - Review Complaint Handling Process
- High Notes Investor Group - Press release 30 Oct 0...
- Buy Government Bonds through ATM
- Undergraduate reply to Prof Lan
- News about Jubilee Notes arranger
- Conflict of interest between bank and customer
- Old news that may be useful
- NTUC Bonus Cut was a bad idea
- Financial Services Authority fines Lloyds Bank in ...
- Reply to Today Paper - "Structured Products ....."...
- Be empathic to investors who lost their savings
- LET'S NOT FORGET ABOUT PERSONAL RESPONSIBILITY'
- Misleading Prospectus
- Thomas Jefferson's views on the banking system
- Talking point - minibonds and structured products
- Videos about speeches in Speaker's Corner
- US Attorney General recovers for investors in auct...
- High risk from inception
- Do you hear the people sing - version #4
- Mini-bond investor gives his view
- Savings of retired workers
- Collective legal action (1)
- Buying Government Securities
- Regulator should disallow the sale of bad products...
- Singapore Kopitiam Forum
- Nature and risk of the structured product
- Make Government Bonds easily available
- Not a happy time for me
- Misleading advertisements
- Why does the stock market fall?
- Unconditional help from volunteers
- NUS dean also exposed to loss
- Enforce the law
- Well regarded persons oversee the financial instit...
- Town Council invest in Minibond
- Jump on bandwagon
- Malaysia act against land banking
- Can investors understand CDO?
- Biggest loss in the the structured products
- CLSA Asks 500 Staff to Take Pay Cuts of Up to 25%
- Collapse of the global financial system
- Lehman Brother bond
- A fair compensation
- Prospectus needed
- A fair rate of return
- Electricity prices: 82% higher her than in Hong Ko...
- Profit margin in creating the structured product
- BBC radio documentary on structured products
- Call to MAS - pass general guideline for compensti...
- Husband's objection
- Blog for High Note investors
- Complaint Form
- It will be handled 'fairly'
- Interviews with Financial Institutions
- Unhappy with the interview
- Deposit Guarantee scheme in New Zealand
- Singapore Government guarantees bank deposits
- Leveraged Dual Currency Investments
- Pinnacle Notes - lodge a complaint now
- ▼ 10/26 - 11/02 (68)
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