On the one hand, their commercial proposal is based on the supply of products to DIY investors. However, with increasing control over complex products such as exchange-traded notes and exchange-traded funds (ETFs), these companies are at risk of being sued if they do not deviate to ensure that customers know what they are buying. Whenever the investor wishes to make an after-the-fact exchange with a loan-financed ETF or an ETF or ETN, he receives a warning message reminding him that he has signed the agreement. When a Fidelity customer first orders a foreign course or an ETF or ETN for the first time, they must accept the terms of a “designated investment agreement” that requires them to indicate their risk profile. Only investors who describe their objective as “aggressive” can negotiate with reverse ETFs and ETNs. ETFs are designed to increase short-term returns through the use of debt and derivatives and are considered more suited to professional traders than long-term retail investors or high-risk investment profiles. According to Lipper, these ETFs represent only $29.3 billion. “All the big discount brokers are trying to find out,” said Scott Burns, director of ETF research atMorningstar Inc. “The challenge is (they want to be the middleman for all investor business), but they`re trying to figure out what their responsibility is.” I have a pension account at Fidelity and my desired portfolio breakdown covers 5% of the raw materials. I am aware that commodity funds are risky and unpredictable, but from what I cannot say in an unusual way, to invest a small part in them or something like precious metals. The Financial Industry Regulatory Authority (FINRA) and other regulators began warnings about the sale of these investments in 2009, concerned that brokers are selling them to clients with a conservative investment profile. Investors must also represent or accept that they: demanding and experienced, can afford to lose some or all of their investments, will independently analyze the risks, and will not rely on Fidelity for advice, information or oversight of such investments now – or at all.

Designated investment products are securities or contractual investments within the meaning of the Financial Conduct Authority (FCA); they do not contain burial plan contracts.