Comments: To: FINRA,

Plain and simple, legislation that assumes 'average' people don't have the ability or intellect to invest their money wisely is condescending and patronizing and just bad policy. I can buy stocks, invest in 401Ks, etc. without having to do anything being proposed for crypto investments. Just because you don't understand it or fear it doesn't mean you need to regulate it for everyone else.

Can we still buy penny stocks? How could they not be worse? I am perfectly capable of gaining or losing money without being told where to do so. It's part of being an adult.

I am extremely angry that FINRA believes they must protect us poor idiots from investing because only elites like you have enough knowledge to invest. You will not always be in a place if power. Someday you will be subject to what younger people think of you. Do you really want to set this precedent?

I AM FULLY AWARE OF THE RISKS AND INVESTING IN LEVERAGED AND INVERSE FUNDS.THANK YOU.

Freedom of choice is important.

I am writing to OPPOSE the proposed restrictions by FINRA on my investments, via my financial advisor. The right to choose is foundational to America. Please do not put restrictions in place. William Boeger, Wisconsin Investor

I have actively been investing nearly 30 years and during that time have seen the introduction of ETF's and inverse funds which were at that time put under intense pressure to disallow such funds. They have since proved to be very popular and effective tools in the personal investment world.

I believe that any restrictions placed on these funds is strictly an attempt to inhibit my ability to safely and efficiently control my own investment goals.

I should be able to choose the public investments that are right for me. Public investments should be available to all of the public, not just the privileged.
I also should not have to take a test or go through ay other special process as I have a very good financial advisor who makes sure I understand my investments and any risks involved. I don't need these measures imposed on me.
I earned the money and have a right to invest as I see fit.

I myself not the regulators should be able to choose the public investments that are right for me and my family. Public investments should be available to all of the public, and not just the privileged. I have read the risks and have been using these vehicles to invest for over a decade now with success.