KINIBIZ Buyer beware! Just as in the jungle, the ecosystem of exotic investment products has danger lurking at every turn.

Just last week, Tiger learned of two investors in a structured investment-linked insurance plan both of whom after five years received dismal returns on their capital.

One of the two investors who shared their predicament received a dividend return amounting to a mere 0.2 percent. The plan, called Centennial Max was close-ended, meaning both the investors did not get to touch their lump-sum investments during the five-year term.

To be certain, the plan, administered by Great Eastern did not under deliver on what was promised - capital preservation was explicitly guaranteed. But according to the investors themselves, the agents who sold them the plan promised the world only to deliver returns that did not keep up with inflation.

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This article was written by Chan Quan Min.