To Whom It May Concern [FINRA Regulators] -

I am the personal investment manager of my retirement accounts for the benefit of myself and family. Over the last decade, I have consistently outperformed professional fund managers.

I have been investing with leveraged funds for years, why Should regulators be allowed to decide what and when I invest in?

I oppose restrictions
on my right to invest in public investments like leveraged and inverse funds

Keep your hands off my money.

It is outrageous to even think of limiting what investments I can trade/purchase. A huge over reach by the US Gov. to even consider this.

return to honest money makes more sense

I am 70 years old and retired. I have been investing for 45 years. I have the right to make my own decisions in what I choose to invest. I do not need the government to control my decision making.

To whom it may concern: FINRA Regulatory Notice #22-08 comment. Why is it that these attempts to regulate retail investors on the investments noted in the notice only seem to occur when the retail investor that is prudent is being rewarded with market returns? Where were the regulators when the Federal Reserve so interfered with the markets as to cause retail investors significant losses for the prudent decisions to hedge or use otherwise proper investments for insurance against losses? File "13" for FINRA Regulatory Notice #22-08.

Increased levels of regulation (and individual restrictions) of personal finances and investments may seem like the correct answer to protect consumers in today's landscape.

Unfortunately, many well-meaning (but overreaching) restrictions will be pursued. While not apparent at first, these regulations and restrictions will certainly have the opposite of their intended effect.

No! We do not need further restrictions, permissions from mommy, brokers or big government to invest. We do not need tests or any other restrictive device. Markets are efficient, most investors know the risks and will allocate their resources accordingly. A clearly worded prospectus that explains the risks specific to that instrument are all thats needed.