Some of the Lehman Brothers' Minibonds are only worth 30.5% of its face value, this according to my colleague HERE. The tragic thing is that most people who had bought into this kind of product were conservative type of person. I feel sad for the uncles and aunties. It looks like this investment is even worst than investing in China. It pains to receive an email from my client: "Wlifred, I feel sorry -- that i did not take your advice earlier After our meeting, i want to sell the Minibonds, but was told my $X would only be worth about $Y. I decided to hang on to it. Now it is too late to sell. I paid for your advice, find it good, yet did not take action :-("