然而,联邦政府的政策确实显示市场共同基金的高成本去承担更多的风险在2009 – 2011年期间,尽管它没有后续,并定义收益养老金的计划有一个较大的非投资的责任甚至是老年人的受益者寻找这些投资风险较高的2009年之后。



Federal policy for the protection of human subjects or “Common rules” was published in 1991 and codified in separate regulations by 15 federal departments and agencies. These policies have been published for the purpose to protect the human rights by institutions.

The irregular monetary policies that the Federal Reserve has followed since the year 2008, where short-term interest rates are pushed to zero and it is promised to keep it that way for a longer time and billions of dollars is spent in buying bonds to ease it quantitatively, have emerges as life insurers in becoming riskier in spite of the widespread belief on the contrary.

However, Federal policies did show a higher cost in the market mutual funds to take on more risks in the period of 2009–2011 even though it was not subsequent, and also defined the plans of benefit pension which has a larger non-funded liabilities or even an older age of beneficiaries to look for those investments which were riskier after 2009.

The issue of policy changes results in economic inequality that has a direct effect on the resources of rich group as well as that on the poor. An analysis can be done by comparing the different policies of Washington DC with California state government in Sacramento. Business advantage in Washington flourishes but it’s not the same in Sacramento. It is mostly because of the government’s policy. The government changes their policy in their preferred time. It has a direct influence on the structure of the institutes and their rules and regulation. This also affects the profit of the institutes as well as the groups. Democracy is the base of the government. Rich group becomes rich and poor becomes poorer. That difference makes policy either succeed and fail.