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Financial advisory
RES5Financial Advisory Services✓Why are plain deposits and money-market instruments classified as Excluded Investment Products (EIPs) rather than Specified Investment Products?
Their simplicity, short maturities and low risk mean a retail investor is expected to understand them without the additional safeguards, such as a Customer Knowledge Assessment, that apply to complex SIPs.
Inverting the EIP/SIP logic or assuming EIP status means no regulation at all.
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