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	<title>Jane Bryant Quinn &#187; Investing</title>
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	<link>http://janebryantquinn.com</link>
	<description>Your personal finance advocate—putting consumers first!</description>
	<lastBuildDate>Fri, 03 Sep 2010 15:45:03 +0000</lastBuildDate>
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		<title>Investor protection: Brokers and insurance companies hope to stop or weaken gains</title>
		<link>http://janebryantquinn.com/2010/09/investor-protection-brokers-and-insurance-companies-hope-to-stop-or-weaken-gains/</link>
		<comments>http://janebryantquinn.com/2010/09/investor-protection-brokers-and-insurance-companies-hope-to-stop-or-weaken-gains/#comments</comments>
		<pubDate>Fri, 03 Sep 2010 15:45:03 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Government]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[fiduciary duty]]></category>
		<category><![CDATA[financial reform]]></category>
		<category><![CDATA[investor protection]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1334</guid>
		<description><![CDATA[The game&#8217;s afoot. The financial industry is beginning its stealth attack on financial reform. First up: The single speck of potential investor protection that sneaked into the new law. 
If activated, the change could push brokers, planners and insurance agents toward selling their clients better investments than they might be recommending now. That happy outcome, [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Lower Fees on Mutual Funds? Yes, If the SEC Has Its Way</title>
		<link>http://janebryantquinn.com/2010/08/lower-fees-on-mutual-funds-yes-if-the-sec-has-its-way/</link>
		<comments>http://janebryantquinn.com/2010/08/lower-fees-on-mutual-funds-yes-if-the-sec-has-its-way/#comments</comments>
		<pubDate>Fri, 27 Aug 2010 17:54:09 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Government]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[12b-1 fees]]></category>
		<category><![CDATA[mutual funds]]></category>
		<category><![CDATA[Securities and Exchange Commission]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1324</guid>
		<description><![CDATA[The Securities and Exchange Commission is preparing to break the high fixed prices you pay in sales charges when buy and sell mutual funds. It wants to clear the way for discount brokers to offer funds at a lower cost.
To that end, the commission put out a sweeping proposal earlier this month, to change the [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/08/lower-fees-on-mutual-funds-yes-if-the-sec-has-its-way/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Vanguard&#8217;s Bogle: Financial Industry Puts Investors Last</title>
		<link>http://janebryantquinn.com/2010/07/vanguards-bogle-financial-industry-puts-investors-last/</link>
		<comments>http://janebryantquinn.com/2010/07/vanguards-bogle-financial-industry-puts-investors-last/#comments</comments>
		<pubDate>Fri, 16 Jul 2010 10:00:25 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[investment costs]]></category>
		<category><![CDATA[John Bogle]]></category>
		<category><![CDATA[Vanguard]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1253</guid>
		<description><![CDATA[Wall Street costs too much. &#8220;It&#8217;s an extractive industry&#8221;, says Vanguard founder John Bogle. &#8220;The investor feeds at the bottom of what is now the tremendously costly food chain of investing.&#8221;
In his new book, &#8220;Enough: True Measures of Money, Business, and Life,&#8221; he cites what might be an investment banker&#8217;s view of the national economic [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/07/vanguards-bogle-financial-industry-puts-investors-last/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>The best deal in America: the target-date retirement fund</title>
		<link>http://janebryantquinn.com/2010/07/the-best-deal-in-america-the-target-date-retirement-fund/</link>
		<comments>http://janebryantquinn.com/2010/07/the-best-deal-in-america-the-target-date-retirement-fund/#comments</comments>
		<pubDate>Sat, 10 Jul 2010 10:00:19 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[target-date funds]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1231</guid>
		<description><![CDATA[Target-date retirement funds took a bad rap during the 2008-09 market  meltdown. Some investors apparently thought that they wouldn&#8217;t lose any money in  the funds or that they were sure to be safe at the target date.
Misunderstandings like these show the need for more information about how  target funds work. The Securities and [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/07/the-best-deal-in-america-the-target-date-retirement-fund/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>The worst deal in America: &#8220;Free Lunch&#8221; senior seminars</title>
		<link>http://janebryantquinn.com/2010/07/the-worst-deal-in-america-free-lunch-senior-seminars/</link>
		<comments>http://janebryantquinn.com/2010/07/the-worst-deal-in-america-free-lunch-senior-seminars/#comments</comments>
		<pubDate>Thu, 08 Jul 2010 10:00:26 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[AARP]]></category>
		<category><![CDATA[free lunch]]></category>
		<category><![CDATA[free lunch monitor]]></category>
		<category><![CDATA[free-lunch seminars]]></category>
		<category><![CDATA[investment scam]]></category>
		<category><![CDATA[senior seminar]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1233</guid>
		<description><![CDATA[You say you&#8217;re too smart to get trapped by a free-lunch &#8220;senior seminar?&#8221;  Guess again. Older people with good incomes and business or professional  backgrounds are the tactic&#8217;s red meat.
You&#8217;re invited by a prominent financial firm (or what sounds like one) for an  &#8220;educational&#8221; session on, say, estate planning or improving your [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/07/the-worst-deal-in-america-free-lunch-senior-seminars/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Congress sells out seniors: No SEC regulation of indexed annuities</title>
		<link>http://janebryantquinn.com/2010/07/congress-sells-out-seniors-no-sec-regulation-of-indexed-annuities/</link>
		<comments>http://janebryantquinn.com/2010/07/congress-sells-out-seniors-no-sec-regulation-of-indexed-annuities/#comments</comments>
		<pubDate>Wed, 07 Jul 2010 10:00:16 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Government]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[annuities]]></category>
		<category><![CDATA[equity-indexed annuities]]></category>
		<category><![CDATA[financial reform bill]]></category>
		<category><![CDATA[insurance]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1227</guid>
		<description><![CDATA[You can&#8217;t turn your back on Congress for a minute. Just when you think an issue will be settled in favor of investors, a Senator oozes under the door and slides a quick pro-business, anti-investor change into a bill.
That&#8217;s how the equity-indexed annuity &#8212; a costly product with a woeful past &#8212; slipped out of the [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/07/congress-sells-out-seniors-no-sec-regulation-of-indexed-annuities/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Investor protection gets knocked out of the financial reform law</title>
		<link>http://janebryantquinn.com/2010/06/1215/</link>
		<comments>http://janebryantquinn.com/2010/06/1215/#comments</comments>
		<pubDate>Fri, 25 Jun 2010 16:58:17 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[financial reform]]></category>
		<category><![CDATA[Fudiciary duty]]></category>
		<category><![CDATA[Senator Tim Johnson]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1215</guid>
		<description><![CDATA[Senator Tim Johnson socked investors with what might be a knockout punch, during negotiations on the financial reform bill. Investor protection is down for the count. The new law, when passed, is going to leave you out.
Johnson, a South Dakota Democrat, laughs at the concept of “fiduciary duty”—the idea that people who advise you on [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/06/1215/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Set Up a Future Retirement Income with New-Style Annuities</title>
		<link>http://janebryantquinn.com/2010/06/set-up-a-future-retirement-income-with-new-style-annuities/</link>
		<comments>http://janebryantquinn.com/2010/06/set-up-a-future-retirement-income-with-new-style-annuities/#comments</comments>
		<pubDate>Fri, 04 Jun 2010 18:33:25 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[annuities]]></category>
		<category><![CDATA[annuities with guaranteed income benefits]]></category>
		<category><![CDATA[retirement income]]></category>
		<category><![CDATA[tax-deferred annuities]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1209</guid>
		<description><![CDATA[If you’re saving for retirement and want to lock in a future income on favorable terms, consider buying a tax deferred variable annuity with lifetime guarantees. The prices being offered now are probably too good to last.
Note that this deal might not be best choice for people who need income now. It’s for people looking [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/06/set-up-a-future-retirement-income-with-new-style-annuities/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Could your munis default? 5 tips for finding safety</title>
		<link>http://janebryantquinn.com/2010/05/could-you-munis-default-5-tips-for-finding-safety/</link>
		<comments>http://janebryantquinn.com/2010/05/could-you-munis-default-5-tips-for-finding-safety/#comments</comments>
		<pubDate>Sun, 30 May 2010 18:21:48 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[Marilyn Cohen]]></category>
		<category><![CDATA[muni bond]]></category>
		<category><![CDATA[municipal bond funds]]></category>
		<category><![CDATA[municipal bonds]]></category>
		<category><![CDATA[municipal default]]></category>
		<category><![CDATA[Warren Buffet]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1185</guid>
		<description><![CDATA[Repeat after me: tax-free municipal bonds rarely default. It’s unthinkable for a state not to pay the interest on its debt. 
Then pause for a moment. Is anything really unthinkable anymore? You buy munis for security. Some of the bonds you’re holding, in a mutual fund or an individual portfolio, no longer measure up. 
General [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/05/could-you-munis-default-5-tips-for-finding-safety/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Stop Senator Collins! She wants to cut a key investor protection from the financial reform bill</title>
		<link>http://janebryantquinn.com/2010/05/stop-senator-collins-she-wants-to-cut-a-key-investor-protection-from-the-financial-reform-bill/</link>
		<comments>http://janebryantquinn.com/2010/05/stop-senator-collins-she-wants-to-cut-a-key-investor-protection-from-the-financial-reform-bill/#comments</comments>
		<pubDate>Tue, 18 May 2010 10:00:46 +0000</pubDate>
		<dc:creator>Jane</dc:creator>
				<category><![CDATA[Government]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Latest Posts]]></category>
		<category><![CDATA[fiduciary duty]]></category>
		<category><![CDATA[financial reform]]></category>
		<category><![CDATA[Senator Susan Collins]]></category>

		<guid isPermaLink="false">http://janebryantquinn.com/?p=1167</guid>
		<description><![CDATA[I&#8217;ve praise the Senate financial reform bill here for imposing a fiduciary duty on stockbrokers. And I praised Maine Senator Susan Collins for wanting to extend that duty to brokers who sell to institutions such as pension funds and mutual funds.
Wow, did I ever speak too soon. Last week, Collins declared herself in favor of gutting [...]]]></description>
		<wfw:commentRss>http://janebryantquinn.com/2010/05/stop-senator-collins-she-wants-to-cut-a-key-investor-protection-from-the-financial-reform-bill/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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