Yourchoice of servicewilldependprimarily on the degree ofriskdiversificationyourequireand the extent to which you wish toparticipateactivelyin the investmentdecision-makingprocess.
Through the popularity of ADRs, ETFs and other forms of international investmentdiversification, the ability of U.S. investors to own shares of companies based abroad has expanded considerably in the last decade.
Banking scholars also argue that Islamic law blocked indigenous financial modernization in Muslim countries because of an inheritance system that restrained capital accumulation, inhibitions on pooling resources that discouraged investmentdiversification, and a traditional aversion to the concept of legal personhood for corporations, which hampered the development of financial entities.