What's the point of comparing apples with apples, or oranges with oranges? You must compare lemons with oranges with apples with durians, then you will know which fruit is the best. Let's use the Pinnacle Notes' 5-year period from Nov 2006 to Nov 2011.

Investment 1 - Pinnacle Notes (loss 100%) investors lost court case in Singapore, now fighting in New York (lost money plus wasting time and legal fees and energy worth another 100%) total nominal lost is 200%. Benchmark against inflation of 3% p.a. or 16% for 5 years, investors of Pinnacle Notes suffer real term loss of 216%.

Investment 2 - Singapore stock index STI 5-year period from 13 Nov 2006 (STI 2813.18) to 11 Nov 2011 (STI 2790.74), nominal loss 0.80%. Real term loss after factoring inflation is 16.8%.

Investment 3 - Fixed Deposit (1% p.a.) or nominal gain of 5% over 5 years. Against inflation of 16%, real term loss of 11%.

Investment 4 - HDB Flat!!! Q4 2006 Index 103.6 to Q3 2011 Index 187.2 nominal gain 80.7% or real term gain of 64.7% after factoring inflation.

Conclusion, Pinnacle@Duxton is the best! Pinnacle Notes is the worst!