A structured product is a financial product created by a financial institution and sold to the retail investor. The issuer writes the terms of the product and keeps a margin to pay its expenses and make a profit.
The disadvantage to the retail investor is that the margin is usually not disclosed and not transparent and may take away too much of the projected yield, leaving little to the investor for the risk that they carry and the period that the investment has been locked up. (Imagine trying to gamble against an expert in the card game who is allowed to set the rules of the game! )
These structured products come in a variety of names, and are known generally as capital protected, capital guaranteed, dual currency investment, mini-bonds, pinnacle notes, etc.
Retail investors should avoid all types of structured products, unless you are savvy to be able to read through the legal documents and understand the complexity of the transaction. Do not trust the words of the marketing person blindly. Do not assume that the regulators have checked the products to be safe and fair - as they do not consider it to be their duty. Just avoid all of these products.
For more insight, read "Structured Products" in www.tankinlian.com/ask.aspx and Practical Guide on Financial Planning.
E-mail: kinlian@gmail.com. Website: www.tankinlian.com Facebook: www.facebook.com/kinlian
Subscribe to:
Post Comments (Atom)
Blog Archive
-
►
2024
(106)
- ► 09/22 - 09/29 (3)
- ► 09/15 - 09/22 (2)
- ► 09/01 - 09/08 (4)
- ► 08/25 - 09/01 (1)
- ► 08/18 - 08/25 (6)
- ► 08/11 - 08/18 (10)
- ► 07/21 - 07/28 (1)
- ► 07/14 - 07/21 (1)
- ► 07/07 - 07/14 (1)
- ► 06/16 - 06/23 (4)
- ► 05/12 - 05/19 (3)
- ► 05/05 - 05/12 (4)
- ► 04/28 - 05/05 (5)
- ► 04/21 - 04/28 (4)
- ► 04/07 - 04/14 (9)
- ► 03/24 - 03/31 (2)
- ► 03/17 - 03/24 (2)
- ► 03/10 - 03/17 (3)
- ► 03/03 - 03/10 (3)
- ► 02/25 - 03/03 (3)
- ► 02/18 - 02/25 (5)
- ► 02/11 - 02/18 (1)
- ► 02/04 - 02/11 (7)
- ► 01/28 - 02/04 (4)
- ► 01/21 - 01/28 (2)
- ► 01/14 - 01/21 (9)
- ► 01/07 - 01/14 (7)
-
►
2023
(372)
- ► 12/31 - 01/07 (8)
- ► 12/24 - 12/31 (9)
- ► 12/17 - 12/24 (1)
- ► 12/10 - 12/17 (1)
- ► 12/03 - 12/10 (11)
- ► 11/26 - 12/03 (9)
- ► 11/19 - 11/26 (9)
- ► 11/12 - 11/19 (4)
- ► 11/05 - 11/12 (7)
- ► 10/29 - 11/05 (7)
- ► 08/13 - 08/20 (3)
- ► 07/30 - 08/06 (5)
- ► 07/23 - 07/30 (7)
- ► 07/16 - 07/23 (2)
- ► 07/09 - 07/16 (15)
- ► 07/02 - 07/09 (7)
- ► 06/25 - 07/02 (6)
- ► 06/18 - 06/25 (3)
- ► 06/11 - 06/18 (11)
- ► 06/04 - 06/11 (14)
- ► 05/28 - 06/04 (11)
- ► 05/21 - 05/28 (7)
- ► 05/14 - 05/21 (6)
- ► 05/07 - 05/14 (4)
- ► 04/30 - 05/07 (13)
- ► 04/23 - 04/30 (9)
- ► 04/16 - 04/23 (9)
- ► 04/09 - 04/16 (10)
- ► 04/02 - 04/09 (10)
- ► 03/26 - 04/02 (4)
- ► 03/19 - 03/26 (15)
- ► 03/12 - 03/19 (11)
- ► 03/05 - 03/12 (13)
- ► 02/26 - 03/05 (2)
- ► 02/19 - 02/26 (1)
- ► 02/12 - 02/19 (7)
- ► 02/05 - 02/12 (12)
- ► 01/29 - 02/05 (12)
- ► 01/22 - 01/29 (15)
- ► 01/15 - 01/22 (19)
- ► 01/08 - 01/15 (17)
- ► 01/01 - 01/08 (26)
-
►
2022
(654)
- ► 12/25 - 01/01 (18)
- ► 12/18 - 12/25 (23)
- ► 12/11 - 12/18 (26)
- ► 12/04 - 12/11 (18)
- ► 11/27 - 12/04 (13)
- ► 11/20 - 11/27 (14)
- ► 11/13 - 11/20 (17)
- ► 11/06 - 11/13 (13)
- ► 10/30 - 11/06 (12)
- ► 10/23 - 10/30 (26)
- ► 10/16 - 10/23 (17)
- ► 10/09 - 10/16 (13)
- ► 10/02 - 10/09 (17)
- ► 09/25 - 10/02 (21)
- ► 09/18 - 09/25 (16)
- ► 09/11 - 09/18 (18)
- ► 09/04 - 09/11 (11)
- ► 08/28 - 09/04 (11)
- ► 08/21 - 08/28 (4)
- ► 08/14 - 08/21 (5)
- ► 08/07 - 08/14 (2)
- ► 07/31 - 08/07 (11)
- ► 07/24 - 07/31 (5)
- ► 07/17 - 07/24 (5)
- ► 07/10 - 07/17 (4)
- ► 07/03 - 07/10 (6)
- ► 06/26 - 07/03 (10)
- ► 06/19 - 06/26 (12)
- ► 06/12 - 06/19 (19)
- ► 06/05 - 06/12 (10)
- ► 05/29 - 06/05 (11)
- ► 05/22 - 05/29 (8)
- ► 05/15 - 05/22 (8)
- ► 05/08 - 05/15 (11)
- ► 05/01 - 05/08 (8)
- ► 04/24 - 05/01 (7)
- ► 04/17 - 04/24 (6)
- ► 04/10 - 04/17 (5)
- ► 04/03 - 04/10 (9)
- ► 03/27 - 04/03 (8)
- ► 03/20 - 03/27 (10)
- ► 03/13 - 03/20 (17)
- ► 03/06 - 03/13 (9)
- ► 02/27 - 03/06 (11)
- ► 02/20 - 02/27 (11)
- ► 02/13 - 02/20 (16)
- ► 02/06 - 02/13 (14)
- ► 01/30 - 02/06 (16)
- ► 01/23 - 01/30 (14)
- ► 01/16 - 01/23 (24)
- ► 01/09 - 01/16 (21)
- ► 01/02 - 01/09 (13)
-
►
2021
(1151)
- ► 12/26 - 01/02 (7)
- ► 12/19 - 12/26 (12)
- ► 12/12 - 12/19 (21)
- ► 12/05 - 12/12 (17)
- ► 11/28 - 12/05 (19)
- ► 11/21 - 11/28 (31)
- ► 11/14 - 11/21 (17)
- ► 11/07 - 11/14 (21)
- ► 10/31 - 11/07 (27)
- ► 10/24 - 10/31 (20)
- ► 10/17 - 10/24 (16)
- ► 10/10 - 10/17 (21)
- ► 10/03 - 10/10 (11)
- ► 09/26 - 10/03 (18)
- ► 09/19 - 09/26 (16)
- ► 09/12 - 09/19 (13)
- ► 09/05 - 09/12 (18)
- ► 08/29 - 09/05 (13)
- ► 08/22 - 08/29 (16)
- ► 08/15 - 08/22 (26)
- ► 08/08 - 08/15 (18)
- ► 08/01 - 08/08 (24)
- ► 07/25 - 08/01 (21)
- ► 07/18 - 07/25 (27)
- ► 07/11 - 07/18 (16)
- ► 07/04 - 07/11 (18)
- ► 06/27 - 07/04 (24)
- ► 06/20 - 06/27 (21)
- ► 06/13 - 06/20 (21)
- ► 06/06 - 06/13 (22)
- ► 05/30 - 06/06 (35)
- ► 05/23 - 05/30 (25)
- ► 05/16 - 05/23 (21)
- ► 05/09 - 05/16 (29)
- ► 05/02 - 05/09 (30)
- ► 04/25 - 05/02 (22)
- ► 04/18 - 04/25 (22)
- ► 04/11 - 04/18 (26)
- ► 04/04 - 04/11 (21)
- ► 03/28 - 04/04 (26)
- ► 03/21 - 03/28 (20)
- ► 03/14 - 03/21 (28)
- ► 03/07 - 03/14 (32)
- ► 02/28 - 03/07 (24)
- ► 02/21 - 02/28 (26)
- ► 02/14 - 02/21 (25)
- ► 02/07 - 02/14 (31)
- ► 01/31 - 02/07 (26)
- ► 01/24 - 01/31 (19)
- ► 01/17 - 01/24 (23)
- ► 01/10 - 01/17 (39)
- ► 01/03 - 01/10 (29)
-
►
2020
(1245)
- ► 12/27 - 01/03 (15)
- ► 12/20 - 12/27 (18)
- ► 12/13 - 12/20 (11)
- ► 12/06 - 12/13 (16)
- ► 11/29 - 12/06 (20)
- ► 11/22 - 11/29 (15)
- ► 11/15 - 11/22 (17)
- ► 11/08 - 11/15 (15)
- ► 11/01 - 11/08 (12)
- ► 10/25 - 11/01 (14)
- ► 10/18 - 10/25 (26)
- ► 10/11 - 10/18 (18)
- ► 10/04 - 10/11 (17)
- ► 09/27 - 10/04 (20)
- ► 09/20 - 09/27 (17)
- ► 09/13 - 09/20 (6)
- ► 09/06 - 09/13 (15)
- ► 08/30 - 09/06 (31)
- ► 08/23 - 08/30 (30)
- ► 08/16 - 08/23 (27)
- ► 08/09 - 08/16 (20)
- ► 08/02 - 08/09 (17)
- ► 07/26 - 08/02 (23)
- ► 07/19 - 07/26 (26)
- ► 07/12 - 07/19 (25)
- ► 07/05 - 07/12 (15)
- ► 06/28 - 07/05 (20)
- ► 06/21 - 06/28 (23)
- ► 06/14 - 06/21 (23)
- ► 06/07 - 06/14 (26)
- ► 05/31 - 06/07 (8)
- ► 05/24 - 05/31 (18)
- ► 05/17 - 05/24 (12)
- ► 05/10 - 05/17 (31)
- ► 05/03 - 05/10 (27)
- ► 04/26 - 05/03 (27)
- ► 04/19 - 04/26 (40)
- ► 04/12 - 04/19 (29)
- ► 04/05 - 04/12 (34)
- ► 03/29 - 04/05 (33)
- ► 03/22 - 03/29 (33)
- ► 03/15 - 03/22 (35)
- ► 03/08 - 03/15 (38)
- ► 03/01 - 03/08 (26)
- ► 02/23 - 03/01 (34)
- ► 02/16 - 02/23 (39)
- ► 02/09 - 02/16 (33)
- ► 02/02 - 02/09 (40)
- ► 01/26 - 02/02 (34)
- ► 01/19 - 01/26 (36)
- ► 01/12 - 01/19 (33)
- ► 01/05 - 01/12 (27)
-
►
2019
(1839)
- ► 12/29 - 01/05 (38)
- ► 12/22 - 12/29 (44)
- ► 12/15 - 12/22 (31)
- ► 12/08 - 12/15 (44)
- ► 12/01 - 12/08 (27)
- ► 11/24 - 12/01 (39)
- ► 11/17 - 11/24 (29)
- ► 11/10 - 11/17 (26)
- ► 11/03 - 11/10 (35)
- ► 10/27 - 11/03 (43)
- ► 10/20 - 10/27 (24)
- ► 10/13 - 10/20 (37)
- ► 10/06 - 10/13 (38)
- ► 09/29 - 10/06 (37)
- ► 09/22 - 09/29 (38)
- ► 09/15 - 09/22 (38)
- ► 09/08 - 09/15 (28)
- ► 09/01 - 09/08 (34)
- ► 08/25 - 09/01 (36)
- ► 08/18 - 08/25 (36)
- ► 08/11 - 08/18 (38)
- ► 08/04 - 08/11 (40)
- ► 07/28 - 08/04 (33)
- ► 07/21 - 07/28 (29)
- ► 07/14 - 07/21 (39)
- ► 07/07 - 07/14 (40)
- ► 06/30 - 07/07 (32)
- ► 06/23 - 06/30 (44)
- ► 06/16 - 06/23 (40)
- ► 06/09 - 06/16 (31)
- ► 06/02 - 06/09 (28)
- ► 05/26 - 06/02 (52)
- ► 05/19 - 05/26 (47)
- ► 05/12 - 05/19 (37)
- ► 05/05 - 05/12 (40)
- ► 04/28 - 05/05 (20)
- ► 04/21 - 04/28 (24)
- ► 04/14 - 04/21 (20)
- ► 04/07 - 04/14 (42)
- ► 03/31 - 04/07 (37)
- ► 03/24 - 03/31 (24)
- ► 03/17 - 03/24 (36)
- ► 03/10 - 03/17 (14)
- ► 03/03 - 03/10 (45)
- ► 02/24 - 03/03 (35)
- ► 02/17 - 02/24 (30)
- ► 02/10 - 02/17 (44)
- ► 02/03 - 02/10 (38)
- ► 01/27 - 02/03 (50)
- ► 01/20 - 01/27 (44)
- ► 01/13 - 01/20 (37)
- ► 01/06 - 01/13 (27)
-
►
2018
(1406)
- ► 12/30 - 01/06 (35)
- ► 12/23 - 12/30 (29)
- ► 12/16 - 12/23 (29)
- ► 12/09 - 12/16 (31)
- ► 12/02 - 12/09 (23)
- ► 11/25 - 12/02 (11)
- ► 11/18 - 11/25 (21)
- ► 11/11 - 11/18 (26)
- ► 11/04 - 11/11 (33)
- ► 10/28 - 11/04 (31)
- ► 10/21 - 10/28 (52)
- ► 10/14 - 10/21 (30)
- ► 10/07 - 10/14 (34)
- ► 09/30 - 10/07 (15)
- ► 09/23 - 09/30 (22)
- ► 09/16 - 09/23 (26)
- ► 09/09 - 09/16 (31)
- ► 09/02 - 09/09 (30)
- ► 08/26 - 09/02 (41)
- ► 08/19 - 08/26 (35)
- ► 08/12 - 08/19 (36)
- ► 08/05 - 08/12 (25)
- ► 07/29 - 08/05 (26)
- ► 07/22 - 07/29 (32)
- ► 07/15 - 07/22 (17)
- ► 07/08 - 07/15 (24)
- ► 07/01 - 07/08 (41)
- ► 06/24 - 07/01 (9)
- ► 06/17 - 06/24 (37)
- ► 06/10 - 06/17 (28)
- ► 06/03 - 06/10 (36)
- ► 05/27 - 06/03 (26)
- ► 05/20 - 05/27 (21)
- ► 05/13 - 05/20 (31)
- ► 05/06 - 05/13 (35)
- ► 04/29 - 05/06 (18)
- ► 04/22 - 04/29 (28)
- ► 04/15 - 04/22 (29)
- ► 04/08 - 04/15 (25)
- ► 04/01 - 04/08 (16)
- ► 03/25 - 04/01 (30)
- ► 03/18 - 03/25 (23)
- ► 03/11 - 03/18 (23)
- ► 03/04 - 03/11 (22)
- ► 02/25 - 03/04 (18)
- ► 02/11 - 02/18 (19)
- ► 02/04 - 02/11 (30)
- ► 01/28 - 02/04 (34)
- ► 01/21 - 01/28 (38)
- ► 01/14 - 01/21 (19)
- ► 01/07 - 01/14 (25)
-
►
2017
(1258)
- ► 12/31 - 01/07 (30)
- ► 12/24 - 12/31 (26)
- ► 12/17 - 12/24 (31)
- ► 12/10 - 12/17 (22)
- ► 12/03 - 12/10 (33)
- ► 11/26 - 12/03 (25)
- ► 11/19 - 11/26 (20)
- ► 11/12 - 11/19 (41)
- ► 11/05 - 11/12 (68)
- ► 10/29 - 11/05 (46)
- ► 10/22 - 10/29 (42)
- ► 10/15 - 10/22 (39)
- ► 10/08 - 10/15 (33)
- ► 10/01 - 10/08 (33)
- ► 09/24 - 10/01 (27)
- ► 09/17 - 09/24 (22)
- ► 09/10 - 09/17 (25)
- ► 09/03 - 09/10 (25)
- ► 08/27 - 09/03 (19)
- ► 08/20 - 08/27 (20)
- ► 08/13 - 08/20 (21)
- ► 08/06 - 08/13 (18)
- ► 07/30 - 08/06 (19)
- ► 07/23 - 07/30 (19)
- ► 07/16 - 07/23 (16)
- ► 07/09 - 07/16 (18)
- ► 07/02 - 07/09 (15)
- ► 06/25 - 07/02 (15)
- ► 06/18 - 06/25 (12)
- ► 06/11 - 06/18 (11)
- ► 06/04 - 06/11 (21)
- ► 05/28 - 06/04 (15)
- ► 05/21 - 05/28 (18)
- ► 05/14 - 05/21 (12)
- ► 05/07 - 05/14 (27)
- ► 04/30 - 05/07 (17)
- ► 04/23 - 04/30 (14)
- ► 04/16 - 04/23 (17)
- ► 04/09 - 04/16 (29)
- ► 04/02 - 04/09 (44)
- ► 03/26 - 04/02 (28)
- ► 03/19 - 03/26 (34)
- ► 03/12 - 03/19 (10)
- ► 03/05 - 03/12 (13)
- ► 02/26 - 03/05 (14)
- ► 02/19 - 02/26 (9)
- ► 02/12 - 02/19 (15)
- ► 02/05 - 02/12 (15)
- ► 01/29 - 02/05 (22)
- ► 01/22 - 01/29 (29)
- ► 01/15 - 01/22 (17)
- ► 01/08 - 01/15 (26)
- ► 01/01 - 01/08 (21)
-
►
2016
(827)
- ► 12/25 - 01/01 (17)
- ► 12/18 - 12/25 (33)
- ► 12/11 - 12/18 (20)
- ► 12/04 - 12/11 (34)
- ► 11/27 - 12/04 (26)
- ► 11/20 - 11/27 (19)
- ► 11/13 - 11/20 (17)
- ► 11/06 - 11/13 (12)
- ► 10/30 - 11/06 (12)
- ► 10/23 - 10/30 (11)
- ► 10/16 - 10/23 (28)
- ► 10/09 - 10/16 (18)
- ► 10/02 - 10/09 (11)
- ► 09/25 - 10/02 (6)
- ► 09/18 - 09/25 (15)
- ► 09/11 - 09/18 (18)
- ► 09/04 - 09/11 (21)
- ► 08/28 - 09/04 (21)
- ► 08/21 - 08/28 (19)
- ► 08/14 - 08/21 (19)
- ► 08/07 - 08/14 (19)
- ► 07/31 - 08/07 (10)
- ► 07/24 - 07/31 (19)
- ► 07/17 - 07/24 (21)
- ► 07/10 - 07/17 (15)
- ► 07/03 - 07/10 (16)
- ► 06/26 - 07/03 (16)
- ► 06/19 - 06/26 (22)
- ► 06/12 - 06/19 (27)
- ► 06/05 - 06/12 (16)
- ► 05/29 - 06/05 (17)
- ► 05/22 - 05/29 (20)
- ► 05/15 - 05/22 (12)
- ► 05/08 - 05/15 (15)
- ► 05/01 - 05/08 (17)
- ► 04/24 - 05/01 (15)
- ► 04/17 - 04/24 (14)
- ► 04/10 - 04/17 (12)
- ► 04/03 - 04/10 (14)
- ► 03/27 - 04/03 (18)
- ► 03/20 - 03/27 (26)
- ► 03/13 - 03/20 (19)
- ► 03/06 - 03/13 (4)
- ► 02/28 - 03/06 (7)
- ► 02/21 - 02/28 (6)
- ► 02/14 - 02/21 (10)
- ► 02/07 - 02/14 (2)
- ► 01/31 - 02/07 (2)
- ► 01/24 - 01/31 (2)
- ► 01/17 - 01/24 (15)
- ► 01/10 - 01/17 (10)
- ► 01/03 - 01/10 (12)
-
►
2015
(691)
- ► 12/27 - 01/03 (13)
- ► 12/20 - 12/27 (26)
- ► 12/13 - 12/20 (12)
- ► 12/06 - 12/13 (10)
- ► 11/29 - 12/06 (14)
- ► 11/22 - 11/29 (15)
- ► 11/15 - 11/22 (21)
- ► 11/08 - 11/15 (10)
- ► 11/01 - 11/08 (9)
- ► 10/25 - 11/01 (12)
- ► 10/18 - 10/25 (30)
- ► 10/11 - 10/18 (9)
- ► 10/04 - 10/11 (12)
- ► 09/27 - 10/04 (34)
- ► 09/20 - 09/27 (25)
- ► 09/13 - 09/20 (37)
- ► 09/06 - 09/13 (28)
- ► 08/30 - 09/06 (20)
- ► 08/23 - 08/30 (20)
- ► 08/16 - 08/23 (24)
- ► 08/09 - 08/16 (36)
- ► 08/02 - 08/09 (37)
- ► 07/26 - 08/02 (23)
- ► 07/19 - 07/26 (30)
- ► 07/12 - 07/19 (24)
- ► 07/05 - 07/12 (23)
- ► 06/28 - 07/05 (16)
- ► 06/21 - 06/28 (39)
- ► 06/14 - 06/21 (20)
- ► 06/07 - 06/14 (18)
- ► 05/31 - 06/07 (17)
- ► 05/24 - 05/31 (12)
- ► 05/17 - 05/24 (15)
-
►
2014
(144)
- ► 07/27 - 08/03 (1)
- ► 06/29 - 07/06 (2)
- ► 06/22 - 06/29 (4)
- ► 06/15 - 06/22 (5)
- ► 06/08 - 06/15 (4)
- ► 06/01 - 06/08 (9)
- ► 05/25 - 06/01 (5)
- ► 05/18 - 05/25 (1)
- ► 05/11 - 05/18 (11)
- ► 05/04 - 05/11 (2)
- ► 04/27 - 05/04 (4)
- ► 04/20 - 04/27 (5)
- ► 04/13 - 04/20 (16)
- ► 04/06 - 04/13 (7)
- ► 03/30 - 04/06 (11)
- ► 03/23 - 03/30 (1)
- ► 03/16 - 03/23 (5)
- ► 03/09 - 03/16 (12)
- ► 03/02 - 03/09 (16)
- ► 02/23 - 03/02 (6)
- ► 02/16 - 02/23 (13)
- ► 01/05 - 01/12 (4)
-
►
2013
(501)
- ► 12/29 - 01/05 (7)
- ► 12/08 - 12/15 (17)
- ► 11/10 - 11/17 (5)
- ► 11/03 - 11/10 (10)
- ► 10/27 - 11/03 (5)
- ► 10/20 - 10/27 (2)
- ► 10/13 - 10/20 (3)
- ► 10/06 - 10/13 (5)
- ► 09/29 - 10/06 (4)
- ► 09/22 - 09/29 (1)
- ► 09/15 - 09/22 (3)
- ► 09/08 - 09/15 (3)
- ► 09/01 - 09/08 (8)
- ► 08/25 - 09/01 (4)
- ► 08/18 - 08/25 (7)
- ► 08/11 - 08/18 (4)
- ► 08/04 - 08/11 (15)
- ► 07/28 - 08/04 (5)
- ► 07/21 - 07/28 (8)
- ► 07/14 - 07/21 (8)
- ► 07/07 - 07/14 (8)
- ► 06/30 - 07/07 (6)
- ► 06/23 - 06/30 (9)
- ► 06/16 - 06/23 (12)
- ► 06/09 - 06/16 (14)
- ► 06/02 - 06/09 (11)
- ► 05/26 - 06/02 (3)
- ► 05/19 - 05/26 (15)
- ► 05/12 - 05/19 (20)
- ► 05/05 - 05/12 (20)
- ► 04/28 - 05/05 (20)
- ► 04/21 - 04/28 (4)
- ► 04/14 - 04/21 (5)
- ► 04/07 - 04/14 (11)
- ► 03/31 - 04/07 (6)
- ► 03/24 - 03/31 (14)
- ► 03/17 - 03/24 (10)
- ► 03/10 - 03/17 (6)
- ► 03/03 - 03/10 (6)
- ► 02/24 - 03/03 (10)
- ► 02/17 - 02/24 (19)
- ► 02/10 - 02/17 (21)
- ► 02/03 - 02/10 (23)
- ► 01/27 - 02/03 (29)
- ► 01/20 - 01/27 (28)
- ► 01/13 - 01/20 (38)
- ► 01/06 - 01/13 (9)
-
►
2012
(1268)
- ► 12/30 - 01/06 (18)
- ► 12/23 - 12/30 (22)
- ► 12/16 - 12/23 (19)
- ► 12/09 - 12/16 (14)
- ► 12/02 - 12/09 (13)
- ► 11/25 - 12/02 (20)
- ► 11/18 - 11/25 (28)
- ► 11/11 - 11/18 (23)
- ► 11/04 - 11/11 (26)
- ► 10/28 - 11/04 (23)
- ► 10/21 - 10/28 (24)
- ► 10/14 - 10/21 (7)
- ► 10/07 - 10/14 (28)
- ► 09/30 - 10/07 (37)
- ► 09/23 - 09/30 (45)
- ► 09/16 - 09/23 (32)
- ► 09/09 - 09/16 (20)
- ► 09/02 - 09/09 (33)
- ► 08/26 - 09/02 (28)
- ► 08/19 - 08/26 (23)
- ► 08/12 - 08/19 (22)
- ► 08/05 - 08/12 (38)
- ► 07/29 - 08/05 (30)
- ► 07/22 - 07/29 (27)
- ► 07/15 - 07/22 (15)
- ► 07/08 - 07/15 (18)
- ► 07/01 - 07/08 (10)
- ► 06/24 - 07/01 (19)
- ► 06/17 - 06/24 (23)
- ► 06/10 - 06/17 (21)
- ► 06/03 - 06/10 (21)
- ► 05/27 - 06/03 (21)
- ► 05/20 - 05/27 (23)
- ► 05/13 - 05/20 (28)
- ► 05/06 - 05/13 (28)
- ► 04/29 - 05/06 (24)
- ► 04/22 - 04/29 (23)
- ► 04/15 - 04/22 (26)
- ► 04/08 - 04/15 (13)
- ► 04/01 - 04/08 (23)
- ► 03/25 - 04/01 (18)
- ► 03/18 - 03/25 (16)
- ► 03/11 - 03/18 (23)
- ► 03/04 - 03/11 (32)
- ► 02/26 - 03/04 (28)
- ► 02/19 - 02/26 (45)
- ► 02/12 - 02/19 (27)
- ► 02/05 - 02/12 (18)
- ► 01/29 - 02/05 (31)
- ► 01/22 - 01/29 (22)
- ► 01/15 - 01/22 (21)
- ► 01/08 - 01/15 (25)
- ► 01/01 - 01/08 (26)
-
►
2011
(1872)
- ► 12/25 - 01/01 (22)
- ► 12/18 - 12/25 (29)
- ► 12/11 - 12/18 (32)
- ► 12/04 - 12/11 (33)
- ► 11/27 - 12/04 (24)
- ► 11/20 - 11/27 (26)
- ► 11/13 - 11/20 (34)
- ► 11/06 - 11/13 (33)
- ► 10/30 - 11/06 (32)
- ► 10/23 - 10/30 (17)
- ► 10/16 - 10/23 (40)
- ► 10/09 - 10/16 (35)
- ► 10/02 - 10/09 (34)
- ► 09/25 - 10/02 (24)
- ► 09/18 - 09/25 (25)
- ► 09/11 - 09/18 (22)
- ► 09/04 - 09/11 (26)
- ► 08/28 - 09/04 (27)
- ► 08/21 - 08/28 (31)
- ► 08/14 - 08/21 (38)
- ► 08/07 - 08/14 (37)
- ► 07/31 - 08/07 (25)
- ► 07/24 - 07/31 (17)
- ► 07/17 - 07/24 (23)
- ► 07/10 - 07/17 (24)
- ► 07/03 - 07/10 (35)
- ► 06/26 - 07/03 (38)
- ► 06/19 - 06/26 (36)
- ► 06/12 - 06/19 (37)
- ► 06/05 - 06/12 (48)
- ► 05/29 - 06/05 (50)
- ► 05/22 - 05/29 (27)
- ► 05/15 - 05/22 (32)
- ► 05/08 - 05/15 (41)
- ► 05/01 - 05/08 (52)
- ► 04/24 - 05/01 (65)
- ► 04/17 - 04/24 (61)
- ► 04/10 - 04/17 (42)
- ► 04/03 - 04/10 (58)
- ► 03/27 - 04/03 (40)
- ► 03/20 - 03/27 (41)
- ► 03/13 - 03/20 (29)
- ► 03/06 - 03/13 (45)
- ► 02/27 - 03/06 (47)
- ► 02/20 - 02/27 (58)
- ► 02/13 - 02/20 (27)
- ► 02/06 - 02/13 (40)
- ► 01/30 - 02/06 (44)
- ► 01/23 - 01/30 (36)
- ► 01/16 - 01/23 (46)
- ► 01/09 - 01/16 (58)
- ► 01/02 - 01/09 (29)
-
▼
2010
(2369)
- ► 12/26 - 01/02 (49)
- ► 12/19 - 12/26 (51)
- ► 12/12 - 12/19 (79)
- ► 12/05 - 12/12 (42)
- ► 11/28 - 12/05 (37)
- ► 11/21 - 11/28 (29)
- ► 11/14 - 11/21 (50)
- ► 11/07 - 11/14 (52)
- ► 10/31 - 11/07 (26)
- ► 10/24 - 10/31 (67)
- ► 10/17 - 10/24 (36)
- ► 10/10 - 10/17 (42)
- ► 10/03 - 10/10 (55)
- ► 09/26 - 10/03 (66)
- ► 09/19 - 09/26 (38)
- ► 09/12 - 09/19 (35)
- ► 09/05 - 09/12 (44)
- ► 08/29 - 09/05 (38)
- ► 08/22 - 08/29 (46)
-
▼
08/15 - 08/22
(55)
- Confidentiality of medical records
- Competition and Medical Fees
- Educational talks by FISCA
- Property Bubble
- Nomination under Dependent Protection Scheme
- Invest in foreign currency [2]
- Invest in bonds [2]
- Marketing flyers and junk mail
- FISCA VP for media relations
- Need for stronger regulation for insurance
- Members of Parliament
- Calling for more volunteers for FISCA
- Buy basic Medishield for elderly parents
- Competition and medical fees
- History of the internet
- Cost of Living and Children
- Video on Tangram Quiz
- Video on Shape Quiz
- Learn Sudoku (Logic9)
- DBS Internet banking transfer
- Financial Planning for a Retiree
- PDF Centric Website
- Youth Olympic Games - letters and blogs
- Survey results - the Singapore Dream
- Half empty stadiums at the Youth Olympic Games
- The cost of security
- Improve customer service in Singapore
- The spoke in public transport
- Call for champions to help FISCA
- Best countries in the world
- President and clemency
- Singapore Dream
- Risk Management for Young People
- Recruiting and retention bonus
- Motor accident
- Investing in gold
- The good and bad of life insurance
- I.T. Outsourcing and SOHO bundle
- Junk Mail and Flyers
- A strong government
- Why don’t they promote peace as a goal in life?
- Whole life policy
- Structured product [2]
- Term insurance from insupermart.com
- New Fare System
- Survey - TKL website
- Micropayments
- Poor ticket sales
- Investing the CPF Minimum Sum
- Buy term and invest the difference
- Youth Olympic Games
- Wait for property market correction
- Living policy taken in 2004
- Insured perils and exclusions
- ► 08/08 - 08/15 (51)
- ► 08/01 - 08/08 (48)
- ► 07/25 - 08/01 (62)
- ► 07/18 - 07/25 (71)
- ► 07/11 - 07/18 (61)
- ► 07/04 - 07/11 (66)
- ► 06/27 - 07/04 (52)
- ► 06/20 - 06/27 (47)
- ► 06/13 - 06/20 (42)
- ► 06/06 - 06/13 (32)
- ► 05/30 - 06/06 (42)
- ► 05/23 - 05/30 (19)
- ► 05/16 - 05/23 (48)
- ► 05/09 - 05/16 (43)
- ► 05/02 - 05/09 (35)
- ► 04/25 - 05/02 (53)
- ► 04/18 - 04/25 (45)
- ► 04/11 - 04/18 (44)
- ► 04/04 - 04/11 (45)
- ► 03/28 - 04/04 (37)
- ► 03/21 - 03/28 (44)
- ► 03/14 - 03/21 (56)
- ► 03/07 - 03/14 (45)
- ► 02/28 - 03/07 (36)
- ► 02/21 - 02/28 (35)
- ► 02/14 - 02/21 (40)
- ► 02/07 - 02/14 (49)
- ► 01/31 - 02/07 (62)
- ► 01/24 - 01/31 (37)
- ► 01/17 - 01/24 (24)
- ► 01/10 - 01/17 (33)
- ► 01/03 - 01/10 (28)
-
►
2009
(1654)
- ► 12/27 - 01/03 (30)
- ► 12/20 - 12/27 (48)
- ► 12/13 - 12/20 (22)
- ► 12/06 - 12/13 (16)
- ► 11/29 - 12/06 (25)
- ► 11/22 - 11/29 (40)
- ► 11/15 - 11/22 (36)
- ► 11/08 - 11/15 (32)
- ► 11/01 - 11/08 (40)
- ► 10/25 - 11/01 (42)
- ► 10/18 - 10/25 (37)
- ► 10/11 - 10/18 (47)
- ► 10/04 - 10/11 (44)
- ► 09/27 - 10/04 (52)
- ► 09/20 - 09/27 (63)
- ► 09/13 - 09/20 (75)
- ► 09/06 - 09/13 (61)
- ► 08/30 - 09/06 (53)
- ► 08/23 - 08/30 (27)
- ► 08/16 - 08/23 (44)
- ► 08/09 - 08/16 (43)
- ► 08/02 - 08/09 (34)
- ► 07/26 - 08/02 (49)
- ► 07/19 - 07/26 (53)
- ► 07/12 - 07/19 (25)
- ► 07/05 - 07/12 (43)
- ► 06/28 - 07/05 (40)
- ► 06/21 - 06/28 (23)
- ► 06/14 - 06/21 (24)
- ► 06/07 - 06/14 (22)
- ► 05/31 - 06/07 (29)
- ► 05/24 - 05/31 (22)
- ► 05/17 - 05/24 (1)
- ► 05/10 - 05/17 (9)
- ► 05/03 - 05/10 (29)
- ► 04/26 - 05/03 (19)
- ► 04/19 - 04/26 (16)
- ► 04/12 - 04/19 (23)
- ► 04/05 - 04/12 (10)
- ► 03/29 - 04/05 (28)
- ► 03/22 - 03/29 (40)
- ► 03/15 - 03/22 (15)
- ► 03/08 - 03/15 (22)
- ► 03/01 - 03/08 (22)
- ► 02/22 - 03/01 (25)
- ► 02/15 - 02/22 (12)
- ► 02/08 - 02/15 (22)
- ► 02/01 - 02/08 (23)
- ► 01/25 - 02/01 (14)
- ► 01/18 - 01/25 (35)
- ► 01/11 - 01/18 (26)
- ► 01/04 - 01/11 (22)
-
►
2008
(2104)
- ► 12/28 - 01/04 (28)
- ► 12/21 - 12/28 (37)
- ► 12/14 - 12/21 (39)
- ► 12/07 - 12/14 (35)
- ► 11/30 - 12/07 (27)
- ► 11/23 - 11/30 (39)
- ► 11/16 - 11/23 (62)
- ► 11/09 - 11/16 (53)
- ► 11/02 - 11/09 (50)
- ► 10/26 - 11/02 (68)
- ► 10/19 - 10/26 (71)
- ► 10/12 - 10/19 (90)
- ► 10/05 - 10/12 (80)
- ► 09/28 - 10/05 (85)
- ► 09/21 - 09/28 (47)
- ► 09/14 - 09/21 (30)
- ► 09/07 - 09/14 (22)
- ► 08/31 - 09/07 (27)
- ► 08/24 - 08/31 (25)
- ► 08/17 - 08/24 (29)
- ► 08/10 - 08/17 (21)
- ► 08/03 - 08/10 (35)
- ► 07/27 - 08/03 (32)
- ► 07/20 - 07/27 (34)
- ► 07/13 - 07/20 (41)
- ► 07/06 - 07/13 (31)
- ► 06/29 - 07/06 (25)
- ► 06/22 - 06/29 (22)
- ► 06/15 - 06/22 (18)
- ► 06/08 - 06/15 (21)
- ► 06/01 - 06/08 (42)
- ► 05/25 - 06/01 (57)
- ► 05/18 - 05/25 (28)
- ► 05/11 - 05/18 (33)
- ► 05/04 - 05/11 (65)
- ► 04/27 - 05/04 (41)
- ► 04/20 - 04/27 (38)
- ► 04/13 - 04/20 (32)
- ► 04/06 - 04/13 (45)
- ► 03/30 - 04/06 (44)
- ► 03/23 - 03/30 (40)
- ► 03/16 - 03/23 (53)
- ► 03/09 - 03/16 (30)
- ► 03/02 - 03/09 (41)
- ► 02/24 - 03/02 (44)
- ► 02/17 - 02/24 (39)
- ► 02/10 - 02/17 (30)
- ► 02/03 - 02/10 (51)
- ► 01/27 - 02/03 (26)
- ► 01/20 - 01/27 (52)
- ► 01/13 - 01/20 (10)
- ► 01/06 - 01/13 (39)
-
►
2007
(1803)
- ► 12/30 - 01/06 (43)
- ► 12/23 - 12/30 (46)
- ► 12/16 - 12/23 (65)
- ► 12/09 - 12/16 (46)
- ► 12/02 - 12/09 (51)
- ► 11/25 - 12/02 (41)
- ► 11/18 - 11/25 (38)
- ► 11/11 - 11/18 (31)
- ► 11/04 - 11/11 (26)
- ► 10/28 - 11/04 (24)
- ► 10/21 - 10/28 (27)
- ► 10/14 - 10/21 (28)
- ► 10/07 - 10/14 (17)
- ► 09/30 - 10/07 (30)
- ► 09/23 - 09/30 (23)
- ► 09/16 - 09/23 (29)
- ► 09/09 - 09/16 (13)
- ► 09/02 - 09/09 (25)
- ► 08/26 - 09/02 (20)
- ► 08/19 - 08/26 (34)
- ► 08/12 - 08/19 (21)
- ► 08/05 - 08/12 (19)
- ► 07/29 - 08/05 (28)
- ► 07/22 - 07/29 (30)
- ► 07/15 - 07/22 (40)
- ► 07/08 - 07/15 (48)
- ► 07/01 - 07/08 (51)
- ► 06/24 - 07/01 (41)
- ► 06/17 - 06/24 (51)
- ► 06/10 - 06/17 (50)
- ► 06/03 - 06/10 (28)
- ► 05/27 - 06/03 (24)
- ► 05/20 - 05/27 (50)
- ► 05/13 - 05/20 (43)
- ► 05/06 - 05/13 (44)
- ► 04/29 - 05/06 (69)
- ► 04/22 - 04/29 (61)
- ► 04/15 - 04/22 (48)
- ► 04/08 - 04/15 (50)
- ► 04/01 - 04/08 (42)
- ► 03/25 - 04/01 (33)
- ► 03/18 - 03/25 (36)
- ► 03/11 - 03/18 (36)
- ► 03/04 - 03/11 (31)
- ► 02/25 - 03/04 (26)
- ► 02/18 - 02/25 (34)
- ► 02/11 - 02/18 (29)
- ► 02/04 - 02/11 (25)
- ► 01/28 - 02/04 (15)
- ► 01/21 - 01/28 (16)
- ► 01/14 - 01/21 (13)
- ► 01/07 - 01/14 (14)
-
►
2006
(696)
- ► 12/31 - 01/07 (11)
- ► 12/24 - 12/31 (16)
- ► 12/17 - 12/24 (14)
- ► 12/10 - 12/17 (11)
- ► 12/03 - 12/10 (11)
- ► 11/26 - 12/03 (16)
- ► 11/19 - 11/26 (13)
- ► 11/12 - 11/19 (21)
- ► 11/05 - 11/12 (19)
- ► 10/29 - 11/05 (17)
- ► 10/22 - 10/29 (17)
- ► 10/15 - 10/22 (18)
- ► 10/08 - 10/15 (14)
- ► 10/01 - 10/08 (22)
- ► 09/24 - 10/01 (24)
- ► 09/17 - 09/24 (20)
- ► 09/10 - 09/17 (6)
- ► 09/03 - 09/10 (21)
- ► 08/27 - 09/03 (28)
- ► 08/20 - 08/27 (12)
- ► 08/13 - 08/20 (20)
- ► 08/06 - 08/13 (27)
- ► 07/30 - 08/06 (17)
- ► 07/23 - 07/30 (16)
- ► 07/16 - 07/23 (13)
- ► 07/09 - 07/16 (10)
- ► 07/02 - 07/09 (16)
- ► 06/25 - 07/02 (18)
- ► 06/18 - 06/25 (18)
- ► 06/11 - 06/18 (12)
- ► 06/04 - 06/11 (16)
- ► 05/28 - 06/04 (12)
- ► 05/21 - 05/28 (8)
- ► 05/14 - 05/21 (14)
- ► 05/07 - 05/14 (18)
- ► 04/30 - 05/07 (13)
- ► 04/23 - 04/30 (7)
- ► 04/16 - 04/23 (2)
- ► 04/09 - 04/16 (5)
- ► 04/02 - 04/09 (11)
- ► 03/26 - 04/02 (7)
- ► 03/19 - 03/26 (7)
- ► 03/12 - 03/19 (10)
- ► 03/05 - 03/12 (5)
- ► 02/26 - 03/05 (7)
- ► 02/19 - 02/26 (10)
- ► 02/12 - 02/19 (8)
- ► 02/05 - 02/12 (6)
- ► 01/29 - 02/05 (8)
- ► 01/22 - 01/29 (10)
- ► 01/15 - 01/22 (8)
- ► 01/08 - 01/15 (3)
- ► 01/01 - 01/08 (3)
-
►
2005
(159)
- ► 12/25 - 01/01 (3)
- ► 12/18 - 12/25 (5)
- ► 12/11 - 12/18 (12)
- ► 12/04 - 12/11 (18)
- ► 11/20 - 11/27 (5)
- ► 11/13 - 11/20 (3)
- ► 11/06 - 11/13 (4)
- ► 10/30 - 11/06 (6)
- ► 10/16 - 10/23 (7)
- ► 10/09 - 10/16 (5)
- ► 10/02 - 10/09 (5)
- ► 09/25 - 10/02 (5)
- ► 09/11 - 09/18 (2)
- ► 09/04 - 09/11 (7)
- ► 08/28 - 09/04 (3)
- ► 08/21 - 08/28 (4)
- ► 08/14 - 08/21 (4)
- ► 08/07 - 08/14 (4)
- ► 07/31 - 08/07 (3)
- ► 07/24 - 07/31 (7)
- ► 07/17 - 07/24 (6)
- ► 07/10 - 07/17 (5)
- ► 07/03 - 07/10 (1)
- ► 06/26 - 07/03 (4)
- ► 06/19 - 06/26 (2)
- ► 06/05 - 06/12 (5)
- ► 05/22 - 05/29 (3)
- ► 05/15 - 05/22 (4)
- ► 05/08 - 05/15 (1)
- ► 05/01 - 05/08 (4)
- ► 04/24 - 05/01 (3)
- ► 04/17 - 04/24 (5)
- ► 04/10 - 04/17 (2)
- ► 04/03 - 04/10 (1)
- ► 03/20 - 03/27 (1)
2 comments:
I have not invested in any structured products since the collasp of HN5. After the HN5 incident, I strongly believe banks treat their customers as fools.
Internally in the banks, you are not seen as customers, at least not in the normal meaning of the word. Most banks' mgmt sees the mass of retail customers as merely sheep & cows to be milked and sheared for wool, a certain percentage to be slaughtered for their meat too. The banks just feed you enough so that most of the sheep & cows don't rebel and run off the farm. Singaporean sheep are the cheapest to keep --- measly 0.125% interest and sense of "security" is all that is needed.
The people that banks' mgmt see as the true customers are companies, especially big ones, coming to them for deals such as M&A, IPOs, raising capital, structured swaps, commercial financing, etc.
Post a Comment