Singapore bank compensate mini bond investors

what the fxxk...i bet MAS. is behind all this.
investment always come with risk. Some of the investor already get huge dividend payout...and now they get their money back. So, they were happy to spend all those dividend, and now so happy to get their money back. This has made those who don't invest in this product look so stupid. If those people can't risk to lose all the money, why don't keep in FD, or saving account??