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The majority hopes and prays, that the share market always remained on lifting, and mutual funds and Diversifitsirovannyj an investment portfolio have rescued them from the real world. I am afraid that similar primitive strategy of not skilled investors to very few people will help. Total share crash will transform into a dust the majority of mutual funds, despite of degree of their diversification. As we already spoke, the share market is not a place for those who searches for safety. It for those who searches for freedom, but, unfortunately, very many of those who aspires to safety, do not understand a difference.

I quite suppose that law ER1SA has been confirmed and signed with the best intentions. A problem that in him just as in the subsequent amendments to it, defects were found out. But it anything in comparison with a panic which will begin, when the people who have spent all life on search of a safe refuge, realise that the share market is capable to deprive of their this refuge. It is the moment which legislators have not taken into consideration, it they have not thought that the people who have spent all life on safety when suddenly will understand will do that their safety the end has come.

The purpose of this book it in offering you some ideas how to be prepared and save the well-being not only in the conditions of boom in the real share market, but also in case of its prompt collapse. The main thing it to be ready to any turn of events in the real world of the share market, in the real world behind walls of such refuges, as the house, school or business. Recollect, how Ache built an ark in the middle of desert, and think that, probably, has come it is time to start ark building in your head, for the present there was time for construction.

(In the Application 1 the full list of dates of adoption of law ERISA and all basic certificates containing the amendments to different articles ERISA, since 1974 is resulted.)

Chapter 4


On the first page has undressed "Money" in magazine itUSA Todayit from November, 30th, 2001 the big colour photo of the 58-year-old man is placed. A grey hair crossed on a breast of a hand, clever eyes and delicate features. Though by the form it quite could descend for the main chief executive of large corporation, it not so. It only one of diligent employees itEnronit it the companies, whose main chief executives and other heads of the top echelon have earned for themselves personally millions dollars, but have finished the company to bankruptcy.

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