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Our experts frequently write blog posts about the findings of the research we are conducting.

Displaying 321-330 out of 330 results for "Weekly Regulatory Review".

FINRA Regulatory Notice: Variable Annuities

(Feb 2010)

FINRA Reminds Firms of Their Responsibilities Under FINRA Rule 2330 for Recommended Purchases or Exchanges of Deferred Variable Annuities

The Financial Industry Regulatory Authority (FINRA) published Regulatory Notice 10-05 reminding firms of their responsibilities concerning deferred variable annuities. Annuities can carry costs and risks that many investors may not be aware of because brokers who are incentivized by commission-generation do not make them clear to investors. Costs...

FINRA Investor Alert: Variable Annuities [Update]

(Sep 2009)

Variable Annuities: Beyond the Hard Sell

The Financial Industry Regulatory Authority (FINRA) published an Investor Alert to help investors decide on how to invest for retirement. An annuity makes periodic payments to the holder of the annuity. There are fixed annuities that make fixed payments and variable annuities that make variable payments.

Annuities can carry costs and risks that many investors may not be aware of because brokers who are incentivized by commission-generation do...

FINRA Investor Alert: Leveraged and Inverse ETFs

(Aug 2009)

Leveraged and Inverse ETFs: Specialized Products with Extra Risks for Buy-and-Hold Investors

The Financial Industry Regulatory Authority (FINRA) issued an Investor Alert to help investors understand the performance objectives of leveraged and inverse exchange-traded funds.

Exchange-Traded Funds is an investment fund that holds stocks, bonds, or commodities and typically tracks specific indices representing such asset classes. Introduced in 1993 by State Street Global Advisors, ETFs...

FINRA Investor Alert: Life Settlements

(Jul 2009)

Seniors Beware: What You Should Know About Life Settlements

The Financial Industry Regulatory Authority (FINRA) published an Investor Alert on life settlement. Life settlement is the transaction that involves selling one's life insurance policy to a third party that did not issue the policy for a lump sum payment whose value is higher than the policy's cash surrender value but less than the net death benefit.

Because life settlement is targeted at senior people, the industry can be...

FINRA Investor Alert: Municipal Bonds

(Jun 2009)

Municipal Bonds-Staying on the Safe Side of the Street in Rough Times

The Financial Industry Regulatory Authority (FINRA) published an Investor Alert on municipal bonds. This provides a thorough background on municipal bonds and advice on investing.

There are certain risks in investing in municipal bonds. For example, the municipality issuing the municipal bonds can default, leading to the loss of some (if not all) interest and principal to the investor. This is called default risk....

FINRA Investor Alert: Auction Rate Securities

(Nov 2008)

Auction Rate Securities: What Happens When Auctions Fail

The Financial Industry Regulatory Authority (FINRA) published an Investor Alert on auction rate securities (ARS). This provides quite a thorough background on ARS, their auction mechanism and risks of failure, alternatives to ARS, and redemption and liquidity issues.

ARS are issued widely by institutions ranging from closed-end mutual funds, municipalities to student loan trusts. ARS are long-term floating rate securities whose...

FINRA Investor Alert: Cat Bonds

(Apr 2008)

Catastrophe Bonds and other Event-Linked Securities

The Financial Industry Regulatory Authority (FINRA) published an Investor Alert on catastrophe bonds, or 'cat bonds'. Cat bonds pay higher interest rates compared to the equivalent corporate bonds.

However, there are risks involved in holding cat bonds. Investors of a cat bond can lose interest and principal if the catastrophe, to which the bond is linked, occurs. Cat bonds are quite illiquid, the pricing information are generally not...

FINRA Investor Alert: Variable Annuities

(Mar 2006)

Should You Exchange Your Variable Annuity?

The Financial Industry Regulatory Authority (FINRA) published an Investor Alert on how to determine if investors should exchange their variable annuity for another model. An annuity makes periodic payments to the holder of the annuity. There are fixed annuities that make fixed payments and variable annuities that make variable payments.

While equity-indexed annuities have become increasingly popular, some have questioned their value and...

FINRA Press Release: Structured Products

(Sep 2005)

NASD Provides Guidance Concerning the Sale of Structured Products

The Financial Industry Regulatory Authority (FINRA) published a NASD Notice to Members 05-59 providing guidance to members concerning their sales practice obligations when selling structured protects to retail customers.

The complexity of structured products can often obscure their risks. It is therefore important that investors are protected from unscrupulous sales practices that might arise in an unregulated...

FINRA Press Release: Best Practices

(Apr 2005)

NASD Recommends Best Practices for Reviewing New Products

The Financial Industry Regulatory Authority (FINRA) published a NASD Notice to Members 05-26 providing best practices guidelines for firms on "developing and vetting" new structured products. This notice was motivated by the increasing popularity of structured products and the increasing complexity of these products.

Because structured products can be so complex, investors should be careful when considering them. They should...

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