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Disintermediation—A Remarkable Transformation
trend towards forms of saving with a higher risk which has been accentuated by new rules for

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WHICH
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e. g., pension funds, mutual funds, hedge funds, insurance investment of premiums, etc. The
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major part of this adjustment is that financial portfolios have gone directly to shares but not a good deal now takes the form of various kinds of institutional investment for groups of individuals,
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