Be careful about product advertisements

Here is a product advertised by a bank: "Fixed payout of 5.5 %, 6 months after the inception date."

Here are the facts:

- Many customers think that this means 5.5% return for 6-month return, or 11 % per year. This is not correct.

- To make this payout, the fund dips into the its capital. The fund is giving back part of your own investment and calling it a "payout".

- The actual return is linked to products and events which are very difficult to forecast. In this case, "the fund is linked to 6 Asia-Pacific market indices" and their performance over a period of 4 years and 11 months. You do not know what you will get.

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