FAQ: Good financial products

I wish to identify certain insurance and financial products that give good value to customers.

They have to meet the following criteria:

* transparent
* easy to understand
* have reasonable charges
* easy to withdraw (with fair charges)
* easy to compare with similar products in the market

If any product issuer can provide the facts about their product that meet the above criteria, I will be happy to post them in this section as a good financial product.

I am in favour of the following products:

* exchange traded fund
* low cost, well diversified fund
* government securities
* highly rated corporate bonds
* fixed deposits
* term insurance

Each product should earns a fair return that is commensurate with the risk.