Investment Analysis Tools
Chapters in this video
- 0:00 What is and is not an investment analysis tool
- 1:08 The four tested tools you must recognize
- 1:32 Written narrative disclosures: methodology and universe
- 2:28 The fixed-word disclosure that cannot change
- 3:00 The revenue-bias exam trap
- 3:37 The zero-day filing rule: access upon request only
- 4:28 How the rule stacks with communications and RBI
- 5:05 Rapid-fire exam recap
What this video covers
- The four specific investment analysis tools tested: retirement income calculators, portfolio optimizers, 529 plan savings calculators, and variable annuity income-rider modelers
- Why static facts like today's net asset value (NAV) or a five-year historical return are NOT investment analysis tools
- The three categories of written narrative disclosures: methodology and assumptions, universe of investments and selection criteria, and revenue or relationship bias
- The exact fixed-word disclosure that cannot be paraphrased, including where the tool's name is inserted
- Why undisclosed revenue bias (12b-1 fees, revenue sharing, sub-accounting fees) violates the rule even if the tool's math is sound
- The zero-day filing rule: FINRA access is upon request only, and any specific business-day deadline in a multiple-choice option is a trap
- How the investment-analysis-tool rule stacks additively with the communications rule and Regulation Best Interest (RBI), not replace them
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