Common Questions 10 to 2

John, Janet, Mason and Scott look at taking some level 10 complex information and transforming it into level 2 communication. *An investment in Exchange Traded Funds (ETF), structured as a mutual fund or unit investment trust, involves the risk of losing money and should be considered as part of an overall program, not a complete investment program. An investment in ETFs involves additional risks such as not diversified, price volatility, competitive industry pressure, international political and economic developments, possible trading halts, and index tracking errors. *The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. The rule of 72 is a mathematical concept and does not guarantee investment results nor functions as a predictor of how an investment will perform.  It is an approximation of the impact of a targeted rate of return.  Investments are subject to fluctuating returns and there is no assurance that any investment will double in value.