By Yang Huiwen

BANKS have been dipping their toes into the structured-product market again, after the market for these instruments took a battering following the bankruptcy of investment bank Lehman Brothers in September last year.

But the structured products that the banks are offering now lean towards the low-risk and are easier to understand.

Banks say that the demand coming from investors is more for structured deposits, which are seen to be a lower-risk form of a structured product. The principal is usually returned to customers at maturity, with interest.

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