[Manthink]

they are cheap, bought with disposable money like those cheap stuff you bought online from china. if not useful then just chuck aside loh, no big deal right?

but if the money is a big sum to you then better keep it for retirement better lah

There are 2 types of CHEAP products - One is your online Taobao purchase that can easily be return with little financial consequence and another is a CHEAP "investment" which has no guarantee that the "disposal money" you committed can be returned if the other party decides to do a U-Turn in the T&C....