CAIA Iberia Chapter cordially invites you to attend an Educational Event entitled "Corporate Bonds - a Once-in-your-lifetime Chance" Featured speaker: Richard Ford, Morgan Stanley, Fixed Income Team. Ric joined Morgan Stanley in 1991 and has 14 years of investment experience. During his time at the firm he has worked as a risk manager and as a proprietary trader before joining MSIM in 2002. In addition to his experiences at Morgan Stanley, Ric was a chartered accountant with Ernst and Young and a portfolio manager with Pimco. Ric received a B.Com. in business studies from Edinburgh University and is a qualified Chartered Accountant.