One limitation to the trend toward having similar investors and investment products located in other parts of the world is that much of the developing world lacks the legal protections and codes that protect individual investors. Until these laws are in place, according to experts at Northwestern University, the developing world will have a difficult time competing with the developed world in making investment products available to more of their population, who may either invest a portion of their income into financial products or use investment products such as mutual funds to fuel their retirement.