When someone approaches you to market a financial product to you, you have to be extra careful. It is likely that the financial product will be a bad deal for you. You should be careful, even if the marketing person is your friend.
Many people have lost large sums of money after they have bought bad financial product. The marketing person may not even be aware about the bad nature of the product. In their eagerness to close the sale and earn the commission, the marketing person may mis-present the product to you, either deliberately or through ignorance or negligence.
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Tan Kin Lian
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