There's disclosure and then there's mal-disclosure

Disclosure is intended to foster robust communication and understanding between the dealer representative and the investor.It permits an understanding of the risks, fees and suitability of an advisor recommendation so an informed investment decision can be made . Emailing a copy of Fund Facts is technically a disclosure under a transaction business model but providing complex documents to retail investors without engaging them is not disclosure in a client -advisor relationship model.Sending it AFTER the purchase decision has been made adds to the nonsense. But even if an effective mandated disclosure regime is implemented ,dealer Reps have a variety of techniques to subvert disclosure should they wish to do so.Unfortunately , some do. This article sheds some light on the murky world of  investor mal-disclosure processes . Read the article   Be AWARE.