I notice ocbc personal banker looks better than other banks..  Haha

You should, it's a highly recommended fund in multiple investment seminars I've been through even from independent investment advisors. Not to mention that most fund managers are quite positive with China this year which is one of the main focus market for APDI.

Because of the funds capability of changing from equities, fixed income or money market, it's has better hedging than most funds due to it's flexibility.

Although the target return is 8%, it has outperform the target and consistently provide high returns in the past years. Not to mention that the funds have low volatility relative to it's performance and return. Lower volatility translates to lower risk in investment terms. Hence the reason why it is called Ponzi 2.0.

Nevertheless it is still an equity focused fund which still makes it risky. Don't put all your eggs in one basket.