黑金剛噴霧是男人早洩剋星，輕輕一噴，讓煩惱一掃而空，讓男人真正自信~德國金剛持久液是好評率，復購率最高的一款持久液。因為其卓越的效果和超高的好評率，所以它永遠是網路銷量NO.1的持久液產品！

【商品名稱】：德國黑金剛持久液、金剛噴霧、德國金剛延時噴劑
【出品商】：西德華德制藥廠出品
【功效】使用本品可強精壯陽，延長愛愛時間30分鐘以上，久戰不倒，愛意倍增，其中所含的殺菌成分，又有預防各種性病，確保性生活安全快樂。長期使用，無任何毒副作用，無成癮性，無依賴性。
【有效期】：2年
【規格】15ml/瓶。
【使用說明】將本品均勻噴塗於陰莖體及龜頭部位，藥力神速8分鐘後即可進行房事。禁止內服！
【註意事項】起效神速，噴後8分鐘左右即可進行房事。密閉置幹燥陰涼處。初用者不可多噴（一般噴1-4下就可以了），4下為最大量，不宜超過推薦用量。

持久噴劑 使用方法 

This content was produced in partnership with Citibank Singapore

Lunar New Year is a time for family and friends, feasting and reunions. It’s a time that’s filled with traditions to usher in a prosperous and fruitful year ahead, including the gifting of AngBaos.

The AngBao is a gift of money that’s typically packed into a red packet, although the digitally savvy now send e-AngBaos. The colour red is used often, as most Chinese consider it a symbol of luck, life and happiness. That’s also why AngBao money is considered ‘lucky’ money.

The Lunar New Year festivities provide an excellent opportunity to enhance your prosperity by growing your AngBao money through investment. Although your pool of AngBao money might not seem like much now, investments can help grow your wealth through the power of compounding interest. Depending on your needs and lifestyle, there are different types of investments or savings available.

For those who want slow and steady growth…

Consider time deposits with stable returns

A time deposit has a fixed term and interest – this means that your money is put into an account with a specific interest rate and for a certain time period. During this time, you are generally unable to withdraw the money¹, but the gains you make are stable with interest rates that are higher than that of a regular savings account.

Some investors, including those with lower risk appetites, incorporate time deposits in their wealth strategy to enhance their savings. Recently, many banks have increased their time deposit interest rates to pre-COVID rates, and more.

Look out for special promotional rates during the Lunar New Year period to earn more interest. Citibank’s Lunar New Year promotion, for instance, offers up to 3.88% p.a. on a three-month SGD Time Deposit² and 6% p.a. on a two-month SGD Time Deposit Investment Bundle³.

Citi’s time deposits can be started with just S$10,000, and a tenure of between one week and 48 months.

To open up a time deposit account with Citibank, use the Live Chat function on the Citi Mobile App if you’re an existing customer, or apply for an account if you’re new to Citi.

For those who want to get started on stock investments…

Take a look at using a brokerage

When you’re starting to invest in stocks, and learning the ins and outs of buying and selling shares, you’ll want to be able to leverage quality insights and analytics to help you make informed decisions.

That’s exactly what you’ll get with Citibank Brokerage⁴ if you are looking to get higher returns and you have a high risk appetite. Citi avails to its clients a suite of features designed to meet their trading needs. A good example is the Thomson Reuters Stock Analytics, an analytics tool which provides a series of stock market insights and analysis to support your investment decisions.

With Citibank Brokerage, you will be able to trade at attractive commission rates and seize opportunities in the US, Singapore and Hong Kong markets. There are also no charges for handling corporate actions and dividends.

Trading is also made convenient – and speedy – via the Citi Mobile® App or Citibank Online.

Currently, new brokerage accounts will also be offered commission-free buy trades⁵ to help you get started on your investment journey.

For those who want protection while saving…

Think about insurance-savings plans

As a child growing up in Singapore, it was common for our parents to channel our AngBao money into a savings account. To stay on the path of financial wellbeing, it is important to continue the good habits of saving regularly. Besides helping to protect you in the event of a financial emergency, saving money can help you realise your dreams and aspirations such as paying for a dream house or vacation.

An insurance savings plan gives you the benefit of insurance coverage while you’re saving. These plans are funded through regular payments with varying lengths of term.

You can get up to S$1,500 worth of vouchers with any purchase of eligible AIA insurance plans through Citi from now till 31 March 2023⁶. That’s getting back even more for investing your money and building a good saving habit.

Finally, a pro-tip…

Another way to make sure you’re enjoying all those meaningful moments this Lunar New Year – without busting all your AngBao money – is by taking advantage of credit card promotions.

With Citi Credit Cards⁷, you can get additional vouchers (up to S$20) from your spending when you do your new year shopping at Parkway Parade⁸, NEX⁹, or any Lendlease Mall¹⁰ (Jem, 313@Somerset, Paya Lebar Quarter). You can receive an S$8 return voucher when stocking up on groceries at Sheng Siong¹¹ during this festive season.

And when you’re looking out for the best places for your Lunar New Year celebrations, you’ll find exclusive menus and discounts for Citi Credit Card users at Paradise Group, Peach Garden Chinese Restaurant (among others, a 5 per cent discount on Lunar New Year goodies) or Goodwood Park Hotel (up to 20 per cent off selected festive takeaways).

For more festive delights to enjoy with your AngBao money, click here.

¹ If customers withdraw money from the Time Deposit account prematurely, administrative fees may be imposed. Visit www.citibank.com.sg/personal-banking/deposits/fixed-deposit-account to learn more.

² Citibank SGD Time Deposit Promotion is valid from 1 January to 28 February 2023. Please refer to www.citibank.com.sg/sgdinv for full terms and conditions.

³ Citibank SGD Time Deposit Investment Bundle Promotion is valid from 1 January to 31 January 2023. Please refer to www.citibank.com.sg/sgdinv for full terms and conditions.

Deposit Insurance Scheme | Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

⁴ Terms and Conditions apply. Visit https://www.citibank.com.sg/wealth-management/investments/investment-products/brokerage/ to find out more.

⁵ Terms and Conditions apply. Visit brokerage-promotion-terms-and-conditions.pdf (citibank.com.sg)

⁶ Terms and Conditions apply. Visit www.citibank.com.sg/boosteraia for more information.

⁷ Terms and Conditions apply to all Citi Credit Card offers referred to below.

⁸ Terms and Conditions apply. Visit https://www.citiworldprivileges.com/sg-singapore/others/citi_exclusive_at_parkway_parade-341383 for more information.

⁹ Terms and Conditions apply. Visit https://www.citiworldprivileges.com/sg-singapore/others/citi_exclusive-341134 for more information.

¹⁰ Terms and Conditions apply. Visit https://www.citiworldprivileges.com/sg-singapore/bundle/cnylendlease for more information.

¹¹ Terms and Conditions Apply. Visit https://www.citiworldprivileges.com/sg-singapore/groceries_supermarkets/sgd8_sheng_siong_return_voucher-343159 for more information.

This article is provided at your specific request and for general information purposes only. It is not intended as a recommendation nor an offer or solicitation for the purchase, loan, swap or sale of securities, financial products, services or currencies. Neither all nor part of this video/webcast may be reproduced or copied in any manner without the written consent of Citibank N.A. or its affiliates or subsidiaries ("Citi"). This video/webcast/article has been prepared without taking account of the financial objectives, situation, or needs of any particular investor. Any person or entity considering an investment should consider the appropriateness of the investment having regard to their financial objectives, situation, or needs, and should seek independent advice on the suitability or otherwise of a particular investment.

Investments are not deposits, are not obligations of, or guaranteed or insured by Citi, or by any government, insurance agency or other public institutions, and are subject to investment risk, including the possible loss of all or part of the principal amount invested. Past performance is not indicative of future performance; prices can go up or down. Investment products are not available to US persons.

Investors should be aware that it is their responsibility to seek legal and/or tax advice regarding the legal and tax consequences of their investment transactions. If an investor changes place of residence (including tax residency), nationality, or place of work, it is his/her responsibility to understand how his/her investment transactions are affected by such change/s and to comply with all applicable laws and regulations as and when the same become applicable. Citi does not provide legal and/or tax advice. If you have any questions, please contact your Relationship Manager.

Please click on the following link for other important disclosures associated with this video/webcast/article, including but not limited to disclosures relating to certain risk factors and/or specific country disclosures that are applicable to you, depending on the country of your residence: asia.citi.com/wealthinsights/country-disclosures