What are your thoughts on this? UOB Principal Guaranteed Structured Deposit 2019 - Series (1) (Receive 11% Total Guaranteed Minimum Interest*)?

When a good equity performance could be defined by 5% per year, a excellent one by 10% per year and an outstanding one by 15% per year over 10 years, it is hard to comprehend why your mentioned one could be going without high risk, which is

given on it's stock association. The less we understand these 'structured products'

and the higher the performance promises, the less I would invest into them.

Institutional investors accomplish something like 5%, U.S. University Endowment Foundations sometimes a bit more (MITIMCO, Yale, Harvard).

Stick to simpler investing choices like big, large and global passive indexing ETFs among others. Avoid unit trusts/mutual funds/structured products.​​​

Hi,

When it comes to investment there is no "Guaranteed". Every investment have a risk and you have to read the term sheet properly on how they derive the 11%. You may want to consider Singapore Saving Bonds, as they have better interest than putting your money in the bank. Moreover, SSB minimum lock up period is only one month unlike the above scheme which required you to lock up for 6 years.