Oh how the mighty has fallen! In the recent months, global stock markets has seen quite a rout. The STI is down almost 30% since April 2015, Shanghai has given up more than half of its gains, moving from above five thousand points to below three in the past six months. The previous few weeks have seen particularly volatile markets. Over the past week, it is not the markets that bothered me. Rather, it was a call from the bank that made me very uneasy. It started off innocent enough. Service call she said, and in between asking how I was, she sneaked in a by-the-way question – ‘oh, by the way, your investments are not doing so well. Would you like me to do a review for you?’ I declined the invitation. The last I checked, the only investment I hold with this particular bank is my STI ......