汗！中国的通货膨胀可是很高的。而且，关键的是换回去容易，换出来可就难了。

Why difficult?You can remit back and exchange in singapore, it's the same. From the currency policy adopted by government these years, I don't think the exchange rate will drop much.

Well... if take 911 into account... maybe you are right.But you have idea when will the next 911 comes?

A kind of issurance.It will give you dividends each year, depending on their investment return.

Well... if take 911 into account... maybe you are right.But you have idea when will the next 911 comes?

some private bank product garantees you 15% returnreally don't know how they do it.... but you need 5M USD to qualify to be a private bank customer.....

How is this impossible?Even for Warren Buffet, his long term returen is only about 20% per annum? If you can achieve consistently 15% of return, you can find a fund manager job anytime, anywhere. Which bank in singapore can provide this? Do you know?

oh.. so it is ILP lah.. Investment linked policy?hehe, ok. Out of all insurance, this one I never like . My point is , the sentiment towards general insurance products was quite , down. I just feel that, this should not be the case. So many insurance products, there are some indeed, have very attractive points for a long term investment. Just take one for the sake of discussion, Prime Life Policy. Idea: to hold it till 20 years (of coz provided the policy holder did not die), then surrounder. The surrounder return in all will give you around 3.4% return p.a. (excluding all fees, and non-guarrenteed portion we take a conservative measure. i.e. not get all non-guarrenteed portion) So I may say, to many low risk appetite ppl, these kind of long term investment is worth considering ?

Why difficult?You can remit back and exchange in singapore, it's the same. From the currency policy adopted by government these years, I don't think the exchange rate will drop much.

How is this impossible?Even for Warren Buffet, his long term returen is only about 20% per annum? If you can achieve consistently 15% of return, you can find a fund manager job anytime, anywhere. Which bank in singapore can provide this? Do you know?

FOR THE RICH ONLYIf you have more than US$100K spare cash can contact me. we can work out something very attractive for you. Can check out my website at http://www.sgmoneymatters.com for some of the basic financial knowledges used in singapore as well. - Ivan, Guan Bo. Premimer Financial Services Consultant. (more...)

这个帖子应当顶一下！只是有一句话不妥N多研究显示，专业基金的表现都很难超越市场指数。 第一，不是所有的基金表现都难超市场。 第二，就算不能超越市场，大多数基金回报应该也会比定期存款要高。 第三，就算投资债券，也可以考虑债券型基金，不一定非要直接购买债券死守到底啊。

回复第一，不是所有的基金表现都难超市场。 不错，有的基金在某些年份会比指数表现好。可是基金的表现并没有持续性。所以在你投资之前，你根本不知道哪支基金明年的表现会比指数好。 其次，在扣除基金收取的各种费用之后，投资者得到的平均回报率都不如指数。（参看Wermers 2000 JF) 所以，不要觉得基金经理们很了不起。Buffet 这样的人几十年才出一个，他的表现好，很可能是他的运气好。换句话说，如果你中了多多，你的表现会比他好得多。 第二，就算不能超越市场，大多数基金回报应该也会比定期存款要高。 别忘了，基金的风险比定期存款高得多。 第三，就算投资债券，也可以考虑债券型基金，不一定非要直接购买债券死守到底啊。 同意这一点。可惜对新加坡的普通投资者来说，可选择的债券基金很少。SGX有一个Bond ETF. 但是信息很少，不太了解。

I am not kidding ....You may left with 20k .... Compare the prices for most of the SGX stocks in 1996 and now, you will know what I mean. However, if you compare prices for 2001 (after 911) and 2011, for 100k you invested in 2001, you may get back 300k in 2011. So it all depends on your entry level (or entry year) and what is going to happen when you exit. If you enter in 2001, STI was 1200. If you enter now, STI is 2500. In 2011 and 2016, STI should be 800 or 3500????? I don't know the answer, do you know???

No need 911. "President Chen" continue do some more things, some affect will beseen. China now military exercise, barking dog, wont bite you might say, Chen's fellow now one more step , want to add "2 countries" into constitution, how to react? Not necessarily a 911. but some "smaller" things, we small investor will already cannot take it lah.

some private bank product garantees you 15% returnreally don't know how they do it.... but you need 5M USD to qualify to be a private bank customer.....

Do you think anybody here got 5M USD in hand?I do think this kind of person can be excluded from this board anyway. Either there is no such person, or they operates in a very different manner like us.

Do you think anybody here got 5M USD in hand?I do think this kind of person can be excluded from this board anyway. Either there is no such person, or they operates in a very different manner like us.