<prompt> Human: I have about 250,000 of business income from an internet startup denominated in various currencies. The money is in a company bank account in Hong Kong with one of the countries biggest banks, and because of the massive difficulty foreigners face in opening bank accounts in Hong Kong changing banks is not an easy option Could take 12 months or more which might kill my business in the meantime.When I finally opened the account the bank assigned me a personal relationship manager to help manage my money. I explained that I was a relatively risk-adverse investor and was just looking for a small but safe return with my money that would beat inflation over a period of 10 years or more. They suggested these sketchy sounding derivatives products called DCIs but I said that didnt fit my risk profile and they said they would find me some funds to invest in instead.I thought everything was going well as they set me up with various meetings with bankers who would pitch different funds to me and explain the pros and cons of each. They seemed a bit rushy with getting me to buy into funds but I pushed for more time so I could analyse the funds better first.Then with the looming threat of Brexit I mentioned to my relationship manager that I was worried about the possible effect on the GBP portion of my portfolio. He messaged me back saying he had a good idea with crazy returns that would be perfect to shield me from the Brexit, but I had to invest before 5:00pm that day. I felt a bit wary but we had good rapport so I went along with it and before I knew it I was listening to a recorded contract on the phone and had just put over 100,000 into a bunch of DCIs, even though I had clearly told him earlier I wasnt interested in those products.Now looking at the DCIs I think im actually more exposed to the Brexit than before. One of them is already several thousand dollars in negative and the maximum return on all of them is only a few hundred dollars. From what I can see they seem to be really risky investments with severely limited upside and unlimited downside which simultaneously provide a winwin for the bank who gets paid either way.Now ive started taking the time to look through their suggested funds and they are mostly high risk funds, many of which have made substantial losses since their inception. Even the funds they suggested to me as defensive funds seem to be invested 80 or more in high-risk bonds, are generally only a year or two old, and in many instances have made returns well below benchmark.Then I got all the funds and looked at the fee disclosures and noticed they all pay fees to affiliates for supplying subscriptions, which im guessing means these bankers get a payment if I buy into them.Now im really worried, theres a lot of money at stake for me. Im scared these bankers dont actually know what they are doing and are just acting like salesmen looking for a cut by pushing dodgy financial products on me, rather than managing my money prudently and trying to grow my portfolio.I feel like I might be out of my depth here, could the good people of this forum possibly advise me what my best course of action is?  <response>: Sounds like you trusted a for-profit bankinginvestment institution to place your income ahead of theirs. That is a mistake. You can hire an investment manager who will negotiate a salary or fee system up front to manage your portfolio in whichever manner you dictate, or trust a bank to do it for you for free. I assure you, the investment manager who answers to you will expose you to less risk and take less from your pocket over time. 