While I support education about so-called 'complex' investment products, imposing restrictions on purchasing such products is not the right approach. For many years, financial products have been plagued with excessive 'legalese' -- which is the biggest barrier to investors understanding the products in which they are investing. Even the SEC is guilty of obnoxiously wordy explanations in their investor education guides. One such example is that funds are required to publish performance data for periods of 1, 5, or 10 years (or the life of the fund, if shorter).