My Retirement Plan At 35

[Contrarian]

> Banks love to sell them since they are fee-based, no risk. And the customers love it because they think it's win-win, either they get an interest payment or they
> get the stock at a cheap price.

Well said! The golden rules are:
1. When someone sell or promote something, it must be quite a good deal
2. When the customer ask, the staff will answer. The sales person is not obliged to tell everything... tell the answer, but not the whole truth

The better deals ... we must go and find... I learn from insurance, chinese medicine, IT products, from listed company managements... now learn to ask right questions liao...