Financial Scandals: Be Honest And Never Steal From Shareholders!

We humans are as creative on the "Dark Side" of business activity as we are in developing advantageous new items and services. In the face of enormous financial benefits, on the other hand, some corporate executives can't resist taking an additional dessert even before their shareholders have finished dinner.

Here are some candidates for the upcoming "Blockbuster Scandal Rewards" (B S Awards, if you will): Variable Life Insurance And Annuities, Wrap Fee Managed Investment Accounts, Portfolio Window Dressing, Asset Allocation Mutual Funds, and Obscene Executive Compensation.

1) Variable Insurance & Annuities: Variable products are a comparatively new thing in the insurance industry, circa 1980 or so. Prior to that, the conventional wisdom called the Shock Market much too risky for Life Insurance Policy and Annuity Contract guaranteed rewards.

In fact, these benefits had been "guaranteed" for such a long time that it became a generic expectation of anybody within the market for either. Why then did the State Insurance departments cave in to the Variable Product lobby?

2) Wrap Accounts: From the very beginnings of wealth, the very rich employed Investment Managers to safeguard and to grow their portfolios.

Many Investment Managers had just a couple of huge clients that they tended to while the rest of the fledgling monetary industry focused on property protection and estate creation through life insurance.

Many investors today will employ several Investment Managers and never actually speak to them. If this describes what you're experiencing, contact a nz fsp from any of the new zealand offshore banks by searching: fsp new zealand.

3) Portfolio Window Dressing: Every 3 months, every year, we hear about the changes that portfolio managers make as they make an effort to look smart to their largest clients.

At this point in a discipline (Investing) that they all technically recognize as a long-term commitment to some specific strategy or plan, why do the Masters of the Universe spend a great deal of time manipulating their short-term performance numbers?

And why is this viewed as business as usual rather than common fraud?

4)Asset Allocation Mutual Funds: I view Asset Allocation a bit differently than many professionals seem to and I regulate and monitor a portfolio's structure using the cost basis of securities as opposed to their Market Value.

But how, logically, can a one-size-fits-all Mutual Fund be the correct mix for all investors?

5) Corporate Executive Compensation: I firmly believe that people have the right to become filthy rich, legitimately of course. I respect anybody who gets there honestly because their success creates jobs, opportunities, prosperity, and a higher standard of living for everyone.

But, whenever they sell shares of their successful businesses to the public, they have a responsibility to share future profits and advancement. Obscene executive suite compensation (all the down to the chauffeured limousines) is simply stealing from shareholders.

4 of the five candidates for this year's Blockbuster Scandal (B S) Awards were created on Wall Street. The 5th is dismissed by it. Which one disturbs you most?

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