to get back to the low risk thingy:
in germany there are tons of structured products available for small investors as well. i would love to invest into commodity linked products with capital protection, but the quite high german taxes on investment gains from structured products are still putting me off.
there's one product from societe general focussing on natural resources offered for trade in germany: "SG Rohstoff Airbag Zertifikat". if the basket value of this product ends up somewhere between 60% and 100% of the initial value at maturity, then you will still get back 100% of the invested capital. if it falls below 60% value, then there will be still a re-payment of 1.66 times the basket value. but in case the basket value is increasing, you will participate up to an increase of 35% at maturity.
there is still of course the risk of loss if the basket falls below 60%, so obviously it would be just about a low percentage i would consider investing into such products. but taking the recent development of commodities like oil, gas, zinc, copper etc. into account, it might be an interesting investment with a still reasonable risk.
do you know whether something like that is available in HKG as well?