Если вы не разбираетесь, то не давайте людям глупые советы. Почитайте вот на досуге.'I feel duped': Why bank employees with impressive but misleading titles could cost you big time:Most financial professionals in Canada are licensed as salespeople with no fiduciary duty to clientshttp://www.cbc.ca/beta/news/canada/british-columbia/bank-s-deceptive-titles-put-investments-at-risk-1.4044702