Investment Banking in Singapore (2017 Update)

Investment Banking

Investment banks are financial institutions that provide finance related services to companies, governments, and even individuals. The services offered include mergers and acquisitions, trading of derivatives and securities and financial advising. In Singapore, there are very many investment banks such as Citicorp, the northern trust company, Nordic, HL Bank and much more. All the investment banks in Singapore have come up with innovative measures and products so as to hedge out against competition in the market.

Mergers and acquisitions

Acquisitions occur when one company states interest to purchase another company and the one bought will be under the control of the buyer while in a merger tow businesses either in the same line of operations or not decide to merge and become one new business.Mergers and acquisitions mostly occur because of perceived threat by a growing company or if a company wants to retain dominance in the market.

Trading of derivatives and securities

This is a major function of investment banks. Investment banks such as Maybank in Singapore can be contacted by a company offering an initial public offering (IPO) for it to sell shares on its behalf to the general public. Also, investment banks as a financial intermediary between the investors and the corporations that are selling shares. Investors contact investment banks so that they can purchase shares in Singapore’s stock market and the banks have to trade and make profits for the investor. On the other hand, the investment banks should make sure that they sell shares to their respective corporations. The banks also have a duty of trading in derivatives which are securities that are based on an underlying asset. An example of a derivative is either a bond or shares.

Financial advisory

Investment banks act in good faith both to the investor as well as the company which is trading in the Singapore capital markets. They have an obligation of informing an investor which securities are most profitable. Also, the investment banks should report to the corporate companies the merits and demerits of listing a company in the initial public offering. They also have a duty to explain to the citizens of Singapore the benefits of investing in the financial markets and encouraging many of them to ensure because of their credibility as well as financial gains.


Investment banking in Singapore has been shrinking over the years due to a decrease in their revenues and profits. However, many of the investment banks are restructuring and coming up with new ways and technology to combat the challenges they are facing.

Looking to get a loan?

Best Credit SG Pte Ltd is use to be known as Cing Dien Credit. We have establish ourselves in Singapore since 1985, making us one of the oldest money lenders! We are confident when we say we are one of the best money lenders in Singapore. Since the day we started, we have help thousands of people who are in need of cash to get through their problems. Anything that you may need to pay, Best Credit is always here to help. Our doors are open everyday from Monday to Sunday (except public holiday).

The experience that we have accumulate over the years has help us to understand the needs of people better. You can trust that all of us at Best Credit knows what we are doing. Our management is always working hard, trying to come up with newer better solutions to help you in every way possible. Place your trust in us, let us do the thinking for you. Do not fret over it by yourself, talk to us and we are certain that we will be able to find a solution for you.

Furthermore, Best Credit is the few money lenders open on weekends! We understand that it is not easy for you to come over on weekdays. Often, you may not even be able to reach our office before our closing time. Therefore, this is the reason why we have decided to extend our opening hours to include weekends as well!

To find us:

Never got a loan from money lenders before? Plenty of questions to ask? Call us at +65 6272 5538. We will be more than happy to answer any question that you may have. Alternatively, you can visit us at Blk 372 Bukit Batok Street 31 #01-374 (Level 2) Singapore 650372. Bukit Gombak MRT is the closest MRT to us. We are directly opposite the MRT.

Come on down to our office! We will offer you a free consultation before you decide if you want to take a loan with us!

55 thoughts on “Investment Banking in Singapore (2017 Update)

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  2. Aaron^These are ok compression shorts with decent length. The problem with these shorts like a the majority of the others is companies have stopped using nylon with spandex and replaced it with polyester which is a much thinner material and less durable. Many may notice this now as these newer compression shorts are thin and don’t last as long compared to the old nylon types. Even though cheaper thinner material was added the cost has stayed pretty much the same which mean they make better profit as you have to buy more because they fall apart faster.Look for nylon/spandex blends these are the more durable type&#44 a few companies still make them and under armor still has a few styles like this also.~3|Michael L. Coco^had to go a size up. I’m about 6’2″ -195-200lbs&#44 i usually wear a large&#44 they were a little tight decided to send them back and go w/ a XL for a more comfortable fit and give room for shrinkage from washing. great quality would recommend over paying $30 for Nike/UA.~5|b02^I’m 6′ and wear a 32/30 pant size&#44 the mediums fit well for me. Pretty tight but they are compression shorts and should be tight.~5|Amazon Customer^I normally take a large but they were too tight. XLs fit great~5|Guy Island^love them to relax in and workout.. great for couch lock.. I hate wearing jeans to relax or even short pants.. the snug fit is great for both.. a lil tight cld have bought a large instead of medium.. next time I might in a dif color&#44 although the combo of green&#44 black&#44 and white looks tight lol.. enjoy!!!!~5|Chottobaka^Best compression shorts on the market. My preferred model for daily wear as a tennis coach.~5|VerusX^Dime size hole in left thigh. Very thin&#44 really meant to be used as underwear.~3|Amazon Customer^These compression shorts fit really nicely. However&#44 the purchase tags that Adidas places on them are sown into the waistband thus making it incredibly difficult to remove the excess thread. Ive had them for one month and the waist band already has a hole in it and has separated from the rest of the shorts. Very fruatrating.~3|BBCHIN^It’s as described~5|C. Harris^My favorite to wear when working out. Breathes very well.~5|

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  4. Abby C.^This hat is lightweight and comfortable! Nice relaxing fit!~4|Griff Laycock^I have a large head and have trouble finding hats to fit. This hat is great!~5|Jim121859^PRODUCT WAS EVERYTHING I HOPED FOR AND MORE!~5|Pam Rash^well made hat~5|Juan Carlos Rivera^Great product!~5|Kindle Customer^Great looking hat!~5|UpCycleLivin^Love this hat so much I bought a second one.~5|

  5. kayla^After reading several reviews saying to buy 2 sizes larger than you usually wear and being told “if your bigger than a small you won’t fit this shirt…” I found a size chart for jr sizes.Small: chest 30-32″ and waist: 25-26″ medium: chest 32-34″ and waist: 27-28″large: 36-38″ and waist: 30-32″extra large: chest 40-42″ waist: 33-35″2X large: chest 44-46 and waist 36-38″I usually wear a women’s large and I bought an XL and it fits like what I usually wear. I would recommend buying 1 size larger than usual. Sleeves are a little long for my liking. Graffic will most likely crack however that’s to be expected. Overall I love this shirt.~5|Dr A.^Based on the reviews&#44 I expected this to fit smaller than it did. I found it true to size for juniors. This version of the tee is 90% cotton&#44 10% polyester (and therefore unlikely to shrink). The fabric is light to medium weight&#44 not see-through&#44 and has stretch.Flat Measurements:Size small: 16″ bust&#44 14.5″ waist&#44 25″ long. (First two pictures)Size medium: 17″ bust&#44 15.5″ waist&#44 24″ long. (Second two pictures)I’m a misses 0-2 XS 34B and the small fit well without being tight.~5|Amazon Customer^Printed color is off. The cat is white and the image is pixelated.~3|Rhiannon^Overall I really like this shirt. I got a size medium and the only reason I would say it’s ‘somewhat small’ is because it is a junior’s size shirt. I was really pleased with this shirt&#44 it looked exactly as pictured when I ordered it. I am 5’5″ and 117 pounds and I ordered a medium. It has a slim and fitted look on me&#44 although I might order a large in the future just to have a little more room. I will say I have not washed this shirt yet&#44 and I do not plan to put it through the dryer because I don’t want it to shrink. So excited to wear my new go-to shirt!~5|Ashley^The shirt is super cute and a nice&#44 soft material. I did follow the advice of several other reviewers that suggested buying a size larger (or two) than what you normally wear. I bought this in XL for my sister who normally wears a medium. It seemed a little bigger than I anticipated. I would suggest only going up ONE size larger than you would normally wear&#44 unless you want it to have a little extra space because this is definitely a more fitted t-shirt design. But based on the reviews and since I feel like you can get away with a shirt being a bit big rather than it being too small&#44 I would definitely suggest buying larger than you normally would. This is probably because it is in “junior” sizes and not in adult/women’s sizes. But overall&#44 awesome shirt! My sister (and I) love all things Pusheen&#44 and this shirt cracked her up when she opened it on her birthday (and she just turned 21!). Pusheen is for all ages!~5|Annabelle Lee^While I loved the shirt&#44 it is cute and well made&#44 I had to return it because it was way too big. To explain further&#44 I read several reviews which stated that it ran very small and I needed to size up at least 1 and maybe 2 sizes&#44 so following this advice and not liking tight fitting t-shirts I sized up 2 sizes and when it arrived I was very surprised to find that it was gigantic. So my advice is yes buy this cute shirt but order your normal size !~4|Sara^it is super cute and comfy but…came with a hole under the armpit.=( so sad!~3|Carmen^I ordered this for my daughter&#44 she loves it! Based on some of the reviews I ordered a size up&#44 but the shirt we received appears to be size accurate. I’m sure my daughter will get plenty of use out of it.~5|RAREBIRD^Just love this adorable t-shirt! Fits just right–I like the fit to be snug. So&#44 yes&#44 I have to say this item is true as to sizing&#44 which is what I expected since I do read all or most reviews of merchandise onine. Extra small should be extra small! I’ve encountered “medium” sized clothing that’s more like an extra large&#44 “smalls” that are way too large. Thank you for the prompt service and shipping. Again&#44 appreciate the accurate sizing.~5|DCchicago^I would give this zero stars if I could. Women’s sizes would fit 1st grader and fabric is cheap&#44 shiny polyester circa 1974. Just terrible quality. Already contacted seller once and&#44 after several days&#44 got a truly nonsensical response and still no refund/return. Stupidly bought two of these–total waste of money.~3|

  6. Redriot^Awesome shirt great fit. I ordered in red and blue some of my favorite tee shirts I own&#44 stylish&#44colorful&#44 good price&#44 can’t go wrong with anything in the ecko unltd. Line.~4|Amazon Customer^The material of this product was not what I expected. Expected it to be cotton. It wasn’t. It was the thinnest material I’ve ever seen. The print quality of the design is extremely poor. Additionally the shirt was somewhat small&#44 but it didn’t matter as I will never wear it.It’s no wonder that this product is cheap. I will never purchase this particular product nor any other product Ecko branded products.~3|Jess Rollan^Same goes here. Love the shirt. Love the blue color like the last one. This shirt is a bit more aggressive in the tone.but that’s what I love about the other shirts. I love this brand!!!~5|Yusuke_69^Shirt fit a little bigger than I expected but I still love it. Hopefully warmer wether comes soon.~5|Andrew Gonzales III^I`ve worn ecko clothing for a long time the majority of the times there clothing fits as expected never had issues with there clothing~4|Cito^FITS a little big.~4|NG^Great quality true to size and I would definitely buy more shirts if they had more designs available for purchase~4|Tessie Jarrett^Fits as perfectly as if my husband tried it on in the store first before buying!! Perfect perfect perfect purchase ?????? will absolutely be buying again in different colors!~5|Amazon Customer^not too bad~4|Amazon Customer^Ordered a large which is my size but this shirt is tight like a medium.~3|

  7. Jason G. Fish^After one washing&#44 the collar was out of shape. A t-shirt should at least last a few months.~4|Amazon Customer^This fit me right and soft. What else could you want from a shirt. :)~5|Matthew Mustoe^Polo did it again&#44 so comfy and soft&#44 very well made and are holding up amazingly!.~5|andy^Terrible shirts!~3|reginaldtillman^Great customer service and product!!~3|Amazon Customer^Nice great price~4|Ranier Woods-Culbert^Love the color!~5|Tanya C. Barnes^I love this shirt! Super soft! :)~5|C. REDFEARN^Very soft&#44 my favorite brand of shirt~5|Amazon Customer^Very confortable~5|

  8. Amazon Customer^I purchased this for my husband in January for his birthday. I read the reviews and ordered an XL&#44 sizing up from his usual Large. The fit is a little big on him&#44 initially he was disappointed it was so baggy&#44 but he loves the shirt and wears it often. It has also held up well with multiple washes. So&#44 I upsized as recommended&#44 and for it to be a bit big on him&#44 the shirt would&#44 I believe&#44 be true to size.~4|L.E.^Got this for my husband — he normally wears a Large&#44 but purchasing off of the internet&#44 I quite often go a size up. I got him the XL and the fit is great. – He was very happy with this shirt. – It is not a paper-thin shirt – He likes it.~5|Christine LaRocca^One of our grandsons picked out a few tees as part of his Christmas gift. This is well-made&#44 good quality fabric. All is well with this tee&#44 and he loves wearing it. I expect that it will wash well and keep its shape&#44 just based on what I’ve seen in the quality of the tee so far.~5|Lightnin'^I will be wearing this to see Roger Waters this summer!! Great shirt!!~5|J. Leet^I bought an XL. I loved the shirt design&#44 but the XL was gigantic on me; It almost felt like an XXL. I decided I’d buy an M&#44 but I made the mistake of buying it from a third-party seller. The shirt came a different color than as advertised&#44 and made from bad quality cloth. I returned it&#44 and now I’ll be purchasing this shirt from a more expensive&#44 but more reputable seller. If you get this shirt&#44 and it’s made from bad quality materials and the design looks bad&#44 you’ve ordered the wrong shirt. Try to avoid buying it from accounts that have just been created.~5|Rene^This shirt was NOTHING as described. It was not a cotton T-shirt but some polyester material. It fit way smaller than the advertised size. I will say that they were prompt for refunding me 3.00 and then Amazon gave me credits for the remaining balance. I honestly would NOT buy any shirts from them again.~3|AngeloTheGreek^one of my favorite FLOYD shirts!! SO much so that I ordered another one (just in case!)~5|M. Magruder^The shirt arrived faster than expected. It definitely is an XL so sizing is accurate. Exactly as pictured&#44 would highly recommend! Purchased from Poster Revolution.~4|Gery^Thin collar but I like the shirt.~3|Laura Allred^Joy!~5|

  9. Amazon Customer^Runs long and narrow&#44 otherwise it is a great shirt.~4|enchantedtree^Purchased this shirt for my teenage son. He loves it! Shirt is good quality and looks just as pictured. It has been washed several times and the graphic still looks new. Very pleased!~5|Laurelat^This is regular t-shirt material but fit my husband perfectly. I got him a medium and he is 5’7″ and 150 lbs and it fit him very well.~5|Tiffany Nicole^I love this shirt! Fits great and looks even better in person! I can’t wait to wear it. Arrived when expected. I would definitely order from this company again! Thank you!~5|Justin Mclean^Perfect for the Harry Potter birthday party our family attended.~5|Richard H^great material&#44 looks awesome.~5|melissa mendes^Got for someone for Christmas. She loved it~5|Pam^Love Harry! Great shirt!~4|

  10. William Ramos^This hat fits perfect holds its shape. I’ve had lots compliments. You can dress it up. Or casual like me. Gangster style lol.~5|Phil of Halfway^I wear a 7 5/8 size hat. Though this hat is of good quality and well made&#44 the x-large runs a a bit small for my head.~4|Mimi^It’s a Pork Pie hat and looks really goofy on&#44 but it serves an important purpose. It travels well&#44 is light weight and provides coveerage from the hot sun… Perfect!~5|MF Cummings^It fits my fat head well! The description says %100 paper construction but it feels like a soft&#44 sturdy cotton material. With the short brim curled up&#44 it looks absolutely silly and gets the right kind of attention from my kids and family. Well worth the price and recommended for those who appreciate fine chapeau’s.~5|Jeffrey C.^This hat was better than I expected: well made and very durable. I was looking a hat I could easily pack and take with me on trips – this hat is great. Once it arrived&#44 I actually ordered a second one&#44 in a different color.~5|Angel^Brim is rolled up too high~4|NEWYORKCRITTER^PERFECT LOOK AND FIT~5|Steven Phillips^I love this hat!~5|Eric^Love this hat&#44will probably get another!~5|Rodrigo Alejandro^It looks pretty cool I like it. Even though is cheap looks well done the size fit bigger tan expected but since I have a lot of hair it doesn’t matter&#44 if you are bald go for a smaller size or try to judge~4|

  11. R. Tomek^I ordered the same hat from a different seller earlier in the week (e4Hats) and my three boys wanted one&#44 so I ordered again&#44 except from Infinite Hats. Based on the product photo they looked to be the same exact hat. I just got them in the mail today and the patch on the hat is different than pictured. It’s a lighter blue and constellation design is not as strong. Besides the different patch&#44 the hat color is as pictured. My boys are happy with the product and don’t want to return it&#44 but the seller needs to make sure the product photo matches the actual product sold. I’ve included a picture of the hats side by side. The hat with the lighter color blue patch is the one I received from Infinite Hats&#44 the darker patch is from e4Hats. My husband does prefer the lighter one&#44 which is why I only knocked it down one star. Choose the one you like and order from that seller.~4|Amazon Customer^All I got was a blue hat. Didn’t even have the NASA logo or anything on it~3|Becky^This is the best hat I’ve owned in a while. the color is really nice and just what I was looking for&#44 the fabric is soft so it doesn’t even need to be broken in&#44 and it’s really high quality. great item. I would reccomend it to anyone!~5|Amazon Customer^Love this damn hat fits perfectly and people think I’m actually smart for two seconds.~5|Eryn^I am so glad I read the reviews because based on the one comparing the different sellers I purchased from Infinite Hats to get the smaller stars in the insignia. The product seems very well-made and the fabric is perfectly distressed to give it a vintage feel. It has an adjustable strap on the back so it should fit anyone.~5|David McDonough^See it would of been a cool hat if I got what was descripted… I got a stamp logo and Velcro back… and the brim is all crooked and the seller never answered me back. Awful product~3|Hallie Black^I absolutely LOVE this hat. It’s adjustable&#44 sturdy&#44 and looks great on. It does not look or feel cheap&#44 the decal is bright and clear&#44 and the worn look of it is beautiful. I get tons of compliments and questions every time I wear it out. Very happy with this purchase :)~5|Amazon Customer^Do you want a hat that is modern? Do you want a hat that will boost you game with the opposite sex? Look no further this hat has been one of the best hats I have ever purchased&#44 and I have owned over 13 advertisement trucker hats. Once my old hat developed a strange odor&#44 I needed to go on a hunt to find such an ultra specimen! Once I seent this one&#44 I knew it was game over&#44 love at first sight&#44 hello nice to meet me&#44 hey how do you like your eggs in the morning! If i had to recommend someone to buy this? You bet your bottom dollar I do! I’m fighting off beautiful ladies as we sPejmnsoiadklenfkl; sdvn sdgnsdklghasdfl;gndfkl;gndfghndghn~5|Victoria ortiz^I would say I have a “Rounded Head”.. the cap was beautiful.. but rather short.. I can see how it could be considered a kids hat in that sense… but it can be stretched out w water… and it will slightly lengthen.. so if your a hat connoisseur then you’d understand what I mean by “short”.. because it is short around the edges.. for a round headed person.. “or big headed” lol.. but overall a dope hatt… and I’m making it work!!~3|Trust Me^I love this hat!!! Love it – I have always wanted a NASA cap and this company delivered perfectly. Fits great and the patch is really embroidered. I was lucky. The day I purchased it (got the orange one) the price was $11.44 but the next day it went up to $19.99. Price adjustments are common on Amazon I am just happy I got it when it was a lower price.~5|

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  13. Andrew David Plunkett^This shirt is really good looking&#44 and is extremely comfortable. It runs a little on the big side&#44 which is the style&#44 but it is overall a really great looking shirt for people into streetwear style fashion. Also&#44 the length of the shirt is perfect and allows for some really cool layered outfits that really make a statement. Overall&#44 10/10 would highly recommend.~5|Amazon Customer^I ordered the largest size&#44 which was a xxxL. I was worried that it may not fit right&#44 because I am a big guy and buying things online sometimes doesn’t work out&#44 so I always order a size larger than I wear. But the shirt is true to its size and was actually larger than I expected. Super happy and impressed at the quality of the fabric. I really recommend this shirt.~5|BeerMateo^Does it really need the word “hipster” in the product name? It’s a long shirt with zippers on the side. I didn’t want the zippers&#44 I just wanted a long shirt to cover my crack because crack kills. Shirt is long&#44 but material is all silky feeling. It’s a silky-sexy shirt. Woulda preferred plain cotton.~3|tania^Boyfriend really liked the shirt&#44 at first we didn’t know what to expect because the material looked stretchy on the pictures but he’s a size large and that’s the size we got and it fit him perfectly. I really liked how it looked on him.~5|darrell lyons^Yes~5|Helen FC^Looks great.~5|Amazon Customer^Great fit…~5|Ron B^Very Nice!~5|kyle richardson^The shirt is to tight and does not fit &#44 also sender did not get me a label to return…. beware!~3|Amazon Customer^DO NOT BUY!!! ITS SUPER SMALL AND ITS JUST A PLAIN BLACK SHIRT ITS NOT EVEN ELONGATED OR WITH A ZIPPER~3|

  14. Rob Smith^The Color of the logo is not White&#44 it is more like a beige and does not look that good on a Black background. For a shirt I’ve only worn once for the month I’ve had it I can say it is not worth the money. Plus Shipping times are longer than expected for shipment to the US~4|Amazon Customer^Design isnt the one in the photo. I mean it’s still obviously Flash buuuuttttt look at the photo… At least it’s comfy…(Design isn’t nearly as big as the photo either)~3|Meaghan Cordero^Looks great in person! Great gift!~5|AngelG^Ordered for my husband&#44 he is a xxl. And it fit just fine.~5|Roberts007^Good quality even after washing~5|SALTlife^Was a great shirt ordered a xl washed it once and It turned into a small. Can’t even wear it now.~3|GD^Shirt is made of heavy weight material. The material is more of a brownish black. Not True Dark Black like in listed photo. I really wanted to like this shirt because the Flash Chalk Logo is awesome&#44 but the material seems like it will fade quickly.~3|MNDI^Husband loves it and it came just in time for our costume party!~5|Elena^I wear this ALL the time. I love the chalk design and its been threw the washing lots of times. I’ve had it for a while now and it still looks&#44 and feels new.~5|SQ^Nice!~5|

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  17. Bradley R. Osmon^Very soft.. Slightly narrow in shoulders.~5|jon r.^This shirt is extra thin but that’s not a bad thing. Great for hot days. Soft material. Print is a little scratchy from the outside. Don’t feel it while wearing it though so not bothersome.~5|Mark D.^It’s the highlife! I have to say the graphics on this shirt are pretty awesome and the shirt fits really good.~5|LBOz^Very comfy!~5|Trish F.^This was a gift&#44 it arrived sooner than expected and fit perfectly. The recipient wore it immediately as it was a style he’d been looking for. big score on this purchase.~5|Mit^The shirt is very thin as I expected and what I wanted perfect fit~5|michael worhach^Nice soft shirt that fits great and breathes well!~5|Crystal Abbott^Perfect! Price was good and got it when I expected it. :)~5|Customer Jay^Great quality. Big fan of Tee Luv&#44 Thanks~5|Melissa C Smith^Christmas gift. he loved it.~5|

  18. John Foster^Shirt was nothing like what was described or pictured. It was a bright red with a light blue logo. Everyone knows that it should be a maroon/dark red with a white logo if it is a licensed Dr Pepper shirt. It was also about a size to small. I ordered a large and it was a medium fit.~3|catherine lawry^Product I received is NOTHING like the photo. It’s some kind of cheap&#44 weird silky fabric. There’s no way there is any cotton in this shirt&#44 although I don’t know for sure since there are no tags in it at all.~3|Jannika E.^Logo was printed off-center. Apparently this is a consistent problem with Tee Luv shirts; this is the second shirt I’ve ordered from them that was printed off-center. Returned the shirt.~3|Sandra^Good quality; attractive color (just like the beverage).~5|Lilian Arriola^The seller I bought this from Debor Thoms Sanncy doesn’t allow feedback and this was crap. Cheap horrible fabric&#44 super small&#44 the logo didn’t even look like Dr Pepper&#44 HORRIBLE!~3|Kuiyin Carter^This shirt was cheaply and horribly made! It wasn’t even the same color as one in the picture. It took so long to come because it came straight from China. Do not buy from this company!~3|D. Hogan^fits good and its comfortable. What else could you ask for in a t shirt right. It arrived very quickly and was packaged nicely~4|Juan M Martinez^Love this shirt ! Feels great what else can I say it’s a shirt. I’m a Dr Pepper fan so I’m happy with the purchase~5|TRACY H.^SUPER CUTE AND SOFT SHIRT~5|Susie Wade^Well I just want to say this OMG SOO SOFT AN VERY CONFY. Thx ya’ll love it.~5|

  19. Jonathan^So far I love these. I use this pair around my neighborhood while riding. They breath pretty&#44 I still have some sweat from the work out. However&#44 it definitely keeps me more dry than I was. The cushion in the pants isn’t too bad either. It definitely helps me ride longer versus normal clothes without a cushion. All and all it may not be up to the level of quality that some expensive brands are. Although&#44 for this price it’s definitely worth using.~5|Eric^First&#44 my comments about comfort… I am training for Ironman Florida so I am putting in some long miles on the bike. I’ve ridden 60 and 78 mile ride in these shorts and they are Fantastic! I think most of riders out there would agree the “comfort” is key while being on the saddle for long periods of time and these did not disappoint. I have many shorts of many different brands and I have to say these were one of the most comfortable.Quality of the material seems good considering how affordable these are…Fit/Size: My comments will be somewhat contrary to others that have posted already with regard to size. I am a 5’6″&#44 150 pounds. I ordered the “Large” thinking I would be receiving a US-Medium. Well&#44 the Jersey fit fairly well but slightly large and the shorts were way too large. However&#44 the customer service was fantastic in that they sent me a “Medium” short with a $10 charge for shipping. The “medium” shorts mostly fit well…In all&#44 I am very impressed with this kit considering the cost and just ordered another but this time I ordered a “Medium” and will email the vendor to see if they can send me a “Small” size short.~4|Jonathan Partlow^Item just arrived and I tried it on immediately. this is my 1st pair of shorts I usually wear the long pants but i am satisfied with the fit over all i am sure it will adjust after washing and wear. the jersey was a bit long but nothing terrible I can just tuck the bottom so I wont sit on the back of the jersey while riding the bike. quality of material is surprisingly good for 100% polyester recommend a buy for the price and consult the fit guide go by weight that will usually work best.~4|Bronx boy^Nice quality for the price and the styles are cool. Used for the first time yesterday and found it as functional as something I’d buy at a bike store here in the U.S. Sizing can be tricky based on body type. If you have a muscular frame order 2 sizes up. I’m 6 feet&#44 200lbs with a muscular frame. Also want to compliment the awesome customer service who helped me get the right size shirt. Thanks Tyler.~5|Amazon Customer^Great fit&#44 trues size chart and love the colors! Thanks for processing my order and sending it to my a overseas military location along with positive USPS tracking. A continued thanks for supporting our military serving overseas!~5|charles b ivy^The padding has ripped after about 15ish rides…very surprise it ripped so soon.~4|Michael Y. Chen^I am 6’1″ 180lbs. I ordered one size up which was labeled Asian XL/US L online and it fit perfectly snug for me. I like the quality and design so I end up ordering a second set.~5|RobertCockerill^Good product very happy with it&#44 the drawn on abs are a real highlight!~5|americanorway^very nice very comfortable~5|MASAHIRO TSUKAMOTO^good~5|

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