I like easy to understand financial products. I am not very good with numbers and I got flummoxed by complicated structured deposits offered by the banks before. Totally confusing. I also get very confused by complex insurance products. My insurance agents know not to offer me anything that is too complicated. I usually tell them not to call me and that if I need something, I will call them. I have bought products from AIA, Prudential, Great Eastern Life, NTUC Income, Aviva and AXA before and many are still in force. There was UOB Life as well but it was bought over by Prudential. Today, I came across a product by AXA which claims to be an inflation adjusted retirement income plan. Sounds good, doesn't it? Intrigued, I decided to have a look see. However, one look and the initial good feeling is gone: OK, if you think I am going ......