I have added the opinion of two knowledgeable people about why dual currency investment (DCI) is bad for investors. They are good for the banks because they make the profit from the losses by their customers.
Read about how it works here:
http://www.fisca.sg/ArticleDisplay.aspx?ID=525
Read about how it works here:
http://www.fisca.sg/ArticleDisplay.aspx?ID=525
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