DEFINITION OF 'INVESTMENT PRODUCT'

A product purchased with the expectation of earning a favorable return. Investment

products can be income-producing, as with fixed-interest earning products, or more
speculative in nature, as with stocks and options. A wide variety of investment
products exist, including, but not limited to, stocks, options, futures, bonds, mutual
funds, certificates of deposit, money market investments, ETFs and annuities.
INVESTOPEDIA EXPLAINS 'INVESTMENT PRODUCT'
Investment products are available for individual and institutional investors, and are
purchased in an attempt to generate a profit. Some investment products, such as
certain types of bonds, provide a fixed interest payment in addition to a return of
the initial investment at the time of maturity. Other types of investment products,
such as stocks, entail greater risk and while earnings (and profits) are anticipated,
they are not guaranteed. An investor who diversifies will have a variety of
investment products in his or her portfolio to manage risk.
List of investment products
The list contains the following information:

Investment products' offering documents that have been authorized by the

SFC for issuance under the Securities and Futures Ordinance (SFO) or for
registration under theCompanies Ordinance (CO); and

Particulars of exemptions granted by the SFC for shares or debentures offered

on or after 1 July 2004 under the relevant provisions of the CO.

Please note that where unlisted shares or debentures are concerned, information is
available only for products offered on or after 1 July 2004.
Click below to view the lists by product type:
Unlisted products

Unit trusts and mutual funds

Investment-linked assurance schemes

Structured investment products

Mandatory provident funds

Pooled retirement funds

Unlisted shares and debentures

Investment-linked deposits

Paper gold schemes

Listed products

Exchange-traded funds

Real estate investment trusts

Closed-end funds

Listed shares and debentures

DEFINITION OF 'TREASURY BILL - T-BILL'

A short-term debt obligation backed by the U.S. government with a maturity of less
than one year. T-bills are sold in denominations of $1,000 up to a maximum
purchase of $5 million and commonly have maturities of one month (four weeks),
three months (13 weeks) or six months (26 weeks).

T-bills are issued through a competitive bidding process at a discount from par,
which means that rather than paying fixed interest payments like conventional
bonds, the appreciation of the bond provides the return to the holder.

INVESTOPEDIA EXPLAINS 'TREASURY BILL - T-BILL'

For example, let's say you buy a 13-week T-bill priced at $9,800. Essentially, the
U.S. government (and its nearly bulletproof credit rating) writes you an IOU for
$10,000 that it agrees to pay back in three months. You will not receive regular
payments as you would with a coupon bond, for example. Instead, the appreciation
- and, therefore, the value to you - comes from the difference between the
discounted value you originally paid and the amount you receive back ($10,000). In
this case, the T-bill pays a 2.04% interest rate ($200/$9,800 = 2.04%) over a threemonth period.
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