because it's not very popular.3. Structured prtodcus should not be covered by MAS's guarantee of bank deposits.I doubt some of the things you said will stick after the audience leave the room. For example, things like,1. Save at least 15%. It's a spending culture and keeping up with the Joneses out there. 15% sounds easy, but it's not if you have to do it every month.2. Buy term and invest the rest. The financial planners have just the prtodcus that are "good value".3. Buy diversified funds, ETF and so on. People will forget about these once they are seduced by potential >10% returns.