Life Without Principle Page #2

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First question.

Which age group do you belong to?

A. Above 75 or below 18.

B, 66- 75.

C. 56- 65.

D. 46- 55.

E, 18- 45.

I'm 60 years old.

Next question.

How many years of...

investment experience do you have?

This include long-term

and short-term products,

and fluctuating products

such as stocks, trust funds,

foreign currencies,

derivative security,

or so-called "warrants",

commodity futures or stock options.

A. No experience.

B. Less than 3 years.

C. 3- 6 years.

D. 7- 10 years.

E, Over 10 years.

No.

So no experience.

Kun, the risk assessment says

you belong to 2nd category: "Low Risk".

What does it mean?

It means...

you have no experience

in high-risk investment.

You've only invested in low-risk products.

We have just the right products.

For example,

Dahli National Bond already

earned 2% profit in 6 months.

Only 2%?

We have better choices.

Leid Allocation Fund is a solid performer.

It invests in national real estates.

It went up 7% in value last year.

So I'll earn 70/fl interest?

Your expected return...

I mean you can expect to earn 7%

on your investment.

Funds that pay dividends...

regularly earn 2-3% interest.

That's a bit higher than fixed deposits.

Your bank's deposit rate is so low.

Money is being melted

down inside the saving account.

I hope to earn more.

People in my age don't have income.

But price for everything keeps going up.

Government's Old Age Allowance

pays so little.

I need to take risks for greater return.

"Wealth Co. "

Our new unit trust.

It invests in BRIC countries.

Risk evaluation is "High. "

I don't understand.

New start-ups always take higher risks,

That's why they gain higher profit.

However, since there is no track record,

the actual return would be hard to estimated,

but return could be 10-20D/fl.

High risk, high return.

The risk assessment says

this product isn't for you,

but I can make an exception.

The bank requires me to

tape our conversation.

When I ask you questions,

answer "I understand completely".

I understand completely.

Thank you, Kun, for choosing

our bank's product,

she has chose...

Wealth Co. Unit Trust.

Risk evaluation is "High. "

Your subscription is HK$1 million.

The bank will charge a 2% fee,

which is 200 thousand.

Why a fee?

Bank's service charges.

The unit trust could increase by 5%

in 3 months, That's 500 thousand in profit.

So it's all worth it.

I understand completely.

Let's start over.

Thank you, Kun, for choosing

our bank's product,

She has chose...

Wealth Co. Unit Trust.

Risk evaluation is "High. "

Your subscription is HK$1 million.

The bank will charge a 2% fee,

which is 200 thousand.

I need to remind you investment products

could result in losses.

Any questions?

How much would the lost be?

Market has ups and downs,

Long-term investment reduces risk.

Thank you, Kun, for choosing

our bank's product,

She has chose...

Wealth Co. Unit Trust.

Risk evaluation is "High".

Your subscription is HK$1 million.

The bank will charge a 2% fee,

which is 200 thousand.

I need to remind you investment products

could result in losses.

Any questions?

I understand completely.

You've been advised

to consult a friend or family member

about this transaction,

but you've declined the offer.

I understand completely.

Before we proceed,

I'll show you a video...

explaining the risks

of investment products.

If you have any questions,

I'd be happy to explain.

I understand completely.

Want something to drink?

I understand completely.

Coffee or tea?

Coffee. No sugar.

Be right back.

Trust fund is different from fixed deposit.

It carries financial risks.

A company's income and value

could rise or fall.

Please make sure you understand

the points have been mentioned,

If you have understood this presentation,

or have any questions,

please consult with our staff.

Any questions?

I understand completely.

Let's finish the transaction.

Before we proceed,

I'll show you a video...

explaining the risks of investment products.

If you have any questions,

I'd be happy to explain.

I understand completely.

Let's proceed.

Before you approve the transaction,

please note the following:

You have been explained this product's...

investment objective,

risk profile,

and related service charges...

even if you are only investing

in level 1-2 products,

please make sure you understand

the investment period.

Hi Kun.

Please sit.

Thanks for subscribing Wealth Co.

Unit Trust.

For your protection,

I need to make sure

you've understood

everything.

I understand completely.

I'll explain again.

Wealth Co. Has a "High Risk" rating,

but you're a...

"Low Risk" investor.

This product doesn't fit your profile.

One last question.

So why do you choose it?

I want more money.

OK:

Thank you, and good luck.

Thank you.

We're done.

Thank you.

So complicated, Hard to remember everything.

When I'm rich, I'll buy you dinner.

I'll see you out.

Mrs, Cheung.

This is...

My sister-in-law.

Cute girl.

Candy?

Sit here.

Have a seat.

I reviewed the flat's info.

I need HK91 million loan for deposit.

You need to have fixed income

or collateral security.

My stocks should worth 1 million.

Market is rising.

You shouldn't sell off now.

I want the flat.

You can pledge your stocks to us.

How much per month?

Let's see.

About 44 thousand.

Can I borrow 90% mortgage?

Yes. Your husband is a government employee.

Let's calculate the monthly mortgage cost.

The flat costs 8 million.

We'll approve if your husband

makes twice of that.

He makes over 60 thousand a month.

For the first two years, your loan

will cost another 40 thousand a month.

We'll rent out the flat.

Can I see your figures?

I'll print it out for you.

Hello?

Hi Mr. Chung,

This is Teresa rrom MT Bank.

We have a special promotional offer...

I'm driving.

When's a good time to call?

I'm driving.

- We have a special offer...

- I'm drivingl

If you subscribe HK$2 million, we'll...

It's late, Miss.

I'm sorry.

Thanks.

Stay calm Mister

Stay calm

Please

According to...

Consumer Confidence Index

and Business...

Inventories Report,

there's still confidence in the market.

- Ms Chu...

- I know...

You should enter the market right now.

Ms, Chu, don't panic.

- They will rise

- It's falling like crazy!

All gone in a day,

even worse than the "Poisoned- Bonds".

Save it...

Stock market fluctuates all the time.

When there's fear, there's opportunity.

To be greedy when others are petrified.

Go to hell!

Hello?

Everyone knows investing is about

"opportunity".

But when the chance knocks on your door,

what matters is how you make of it.

I know, but...

I'm giving you a fair assessment.

You still got money left in the account.

Hello?

Teresa,

you lost half of my investment in one week.

Mr. Fong.

You told me the market will go up.

Of course, I know...

You know nothing!

- Sell off all my stocks.

- A regional crisis can't

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