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Indicate whether the statement is true or false by writing T for True or F for False on the answer sheet.
1. Stocks are shares of ownership in a corporation.
2. Money in a savings account is considered to be a safe and liquid investment.
3. Selecting saving and investment options can be an important part of creating a financial plan.
4. Working to earn money to pay for college expenses lowers the amount of money you may need to borrow for these expenses.
5. Saving and investing help meet short-term goals but are not useful for meeting long-term goals.
6. Retirement planning need not begin until you reach middle age.
7. Planning a wedding and buying a car are generally considered to be medium-term goals.
8. Return on investment is a percentage that indicates the amount an investment has grown.
9. The higher the risk you are willing to accept, the lower the return you should expect to receive.
10. Economic decline is often defined as a period of time when people are working, profits are good, wages are rising, and people are optimistic.
11. U.S. savings bonds are considered a tax-exempt or tax-free investment choice.
12. Today, more employers are offering employer-sponsored retirement plans.
13. Political events in this country and abroad often affect financial markets.
14. Some savings and investing options are not subject to income taxes.
15. Earnings from tax-deferred investments are completely free from tax.
16. A systematic saving and investing plan is designed for growth in the long run, not for short-term results.
17. Diversification is a way to reduce investment risk.
18. Mutual funds are generally considered speculative investment choices.
19. Investors should consider economic conditions when forming an investment strategy.
20. Economic decline is not a good time to buy stocks because stock prices will be high.
21. Most savings accounts are safe because they are insured by the FDIC.
22. Savings accounts typically have early withdrawal penalties.
23. A money market deposit account at a bank is a high-risk investment because it is not insured.
24. A typical CD is not a liquid investment because you must pay a penalty if you withdraw the money before the stated time.
25. Series EE U.S. savings bonds are subject to federal income tax unless they are used to finance education.
26. Some corporate bonds pay interest semiannually at the coupon rate.
27. Interest earnings on corporate bonds are not taxable.
28. A premium bond is one that sells for less than its face value.
29. Investment-grade corporate bonds have high ratings and are considered fairly low-risk.
30. Municipal bonds are issued by state governments and the federal government.
31. Annuities purchased from insurance companies provide a series of regular payments for a set period of time.
32. Money in a traditional IRA may not be withdrawn before age 59 1/2 without paying a penalty.
33. Deposits to a SEP account are taxed at the time they are made.
34. There is no limit to the amount an employee can contribute to a 401(k) plan.
35. A retirement account becomes portable when it is vested and can be rolled over to another account.
36. A defined-contribution plan is an employer-sponsored retirement plan, such as a 401(k), where employees set aside pre-tax money for retirement.
37. A defined-benefit plan is an employer-sponsored retirement plan that is being offered by more companies now than in the past.
38. Common stock is considered a less risky investment than preferred stock or bonds.
39. A futures contract transfers ownership of a commodity at a later date.
40. Starting a business or buying a business are the only two ways to invest in business ownership.
MULTIPLE CHOICE
Write the letter of the choice that best completes the statement or answers the question on the answer sheet.
41. Unexpected emergencies or other unplanned events are known as
a. trends
b. dividends
c. contingencies
d. long-term needs
42. Which of the following goals would be considered a long-term goal?
a. buy items for a hobby
b. take a vacation this year
c. buy holiday gifts
d. own a house
43. Which of the following goals would be considered a short-term goal?
a. take a vacation this year
b. pay for a college education
c. own a house
d. save money for retirement
44. The ability to meet current and future needs while living comfortably is known as
a. estate planning
b. financial security
c. retirement planning
d. contingency planning
45. Retirement planning should begin
a. right before you reach retirement age
b. at an early age
c. at middle age
d. one year after you retire
46. If you bought an investment for $1,000 and it grew to $1,050 one year later, what is your ROI?
a. 50%
b. 0.5%
c. 5%
d. 5.5%
47. When investing, the higher the risk you are willing to take
a. the less your wealth will grow
b. the greater your possible return may be
c. the lower your possible return may be
d. both a and c
48. Which of the following types of investment risk could occur as a result of a companys poor management or product recalls?
a. inflation risk
b. industry risk
c. investment risk
d. stock risk
49. Which of the following types of investment risk could occur if prices in general rise faster than the return on an investment?
a. inflation risk
b. industry risk
c. investment risk
d. stock risk
50. Which of the following types of investment risk could occur as a result of a new law, policy, war, or other current event?
a. inflation risk
b. political risk
c. investment risk
d. stock risk
51. Holding a variety of investments to reduce risk is known as
a. risk avoidance
b. dollar-cost averaging
c. systematic investing
d. diversification
52. You invested $2,000 for one year at 5 percent annual interest compounded quarterly. How much is the investment worth at the end of one year (4 quarters)?
a. $2,025.00
b. $2,101.89
c. $4,101.89
d. $200.89
53. A long-term, planned approach to making investments is called
a. systematic investing
b. contingency fund planning
c. investment risk
d. hedging
54. The ideal investment
a. is fairly high-risk
b. has a high rate of return with low risk
c. is not tax-deferred
d. is not liquid
55. Growth stocks and real estate are often considered to be
a. low-risk
b. medium-risk
c. high-risk
d. safe
56. Which of the following investment strategies involves investing on a regular basis regardless of market conditions?
a. diversification
b. market timing
c. investment tracking
d. dollar-cost averaging
57. Which of the following investment strategies requires a good understanding of the economy and financial market conditions as the basis for investment choices?
a. diversification
b. market timing
c. investment tracking
d. dollar-cost averaging
58. A strategy that involves regularly setting aside cash that can be used to achieve goals is called
a. building a portfolio
b. systematic saving
c. systematic investing
d. investment tracking
59. A traditional IRA is
a. tax-exempt
b. tax-deferred
c. tax-free
d. all of the above
60. Which of the following is true about games of chance?
a. they are good speculative investments
b. they should be used for entertainment only
c. your chances of winning are more than 50 percent
d. none of the above
61. Which of the following investments is a medium-risk choice?
a. U.S. savings bond
b. certificate of deposit
c. mutual fund
d. checking account
62. Which of the following types of investments is a form of indirect investment?
a. individual stocks
b. U.S. savings bonds
c. savings accounts
d. mutual funds
63. Which of the following types of mutual funds invests in stocks and bonds and seeks to provide steady and reliable dividends?
a. balanced funds
b. income funds
c. growth funds
d. global funds
64. Which of the following types of mutual funds invests in short-term securities that go up and down with the current interest rate and economy?
a. money market funds
b. index funds
c. stock funds
d. new venture funds
65. Which of the following investment options typically has the highest risk?
a. investment-grade corporate bonds
b. mutual funds
c. savings accounts
d. individual stocks
66. Which of the following types of investments is a form of direct investing?
a. mutual funds
b. individual stocks
c. business ventures
d. real estate investment trusts
67. If you redeem a CD early,
a. you may lose part of the interest you earned
b. you cannot be charged an early withdrawal penalty
c. you cannot lose part of your principal
d. all of the above
68. Which of the following types of bonds can be exchanged for shares of common stock?
a. callable bond
b. zero coupon bond
c. junk bond
d. convertible bond
69. Which of the following investment options is illiquid?
a. certificate of deposit
b. brokerage account
c. real estate
d. money market fund
70. A corporate bond is redeemed for its
a. coupon rate
b. coupon value less interest earned
c. coupon value plus interest earned
d. face value
71. All of the following are true about government bonds except
a. they are not good tax shelters
b. they are a good way to invest and save for the future
c. the interest earned is not subject to state and local taxes
d. they are issued by the U.S. Treasury
72. Speculative-grade bonds are also known as
a. junk bonds
b. corporate bonds
c. municipal bonds
d. investment bonds
73. A Roth IRA
a. cannot provide tax-free earnings
b. requires that you withdraw money at age 70
c. does not allow you to make pre-tax contributions
d. all of the above
74. Which of the following retirement plans is a tax-deferred plan in which employers sometimes match a portion of employee contributions?
a. 403(b) plan
b. 401(k) plan
c. pension plan
d. spousal IRA
75. Which of the following retirement plans is a tax-deferred plan for employees of nonprofit organizations?
a. 403(b) plan
b. 401(k) plan
c. pension plan
d. spousal IRA
76. Which of the following types of bonds allows the issuer to repay the bond early (before the maturity date) at a set amount?
a. convertible bond
b. zero coupon bond
c. callable bond
d. junk bond
77. All of the following are true about investment clubs except
a. they make only low-risk investments
b. they consist of groups of people who pool their money together
c. they can take part in direct investing and indirect investing
d. they often have stated goals and buy investments to reach those goals
78. Which of the following types of bonds can be bought for half the face value?
a. I bonds
b. EE bonds
c. Treasury notes
d. all of the above
79. When a company makes an initial public offering (IP0),
a. it sells stock to the general public
b. the founder of the company becomes a stockholder
c. it sells stock to help fund expansion
d. all of the above
80. When rental income exceeds the costs of ownership, the owner is experiencing
a. negative cash flow
b. positive cash flow
c. depreciation
d. none of the above
MATCHING
Match each term with the correct definition or description below. Write the letter of the term on the answer sheet.
a. bear market
b. bond
c. bull market
d. emergency fund
e. estate
f. financial market
g. foundation
h. investment portfolio
i. liquidity
j. stock
k. annuity
l. asset allocation
m. clearing account
n. coupon rate
o. direct investing
p. discount bond
q. franchise
r. premium bond
s. rollover
t. Roth IRA
81. Ownership interest in a publicly held company
82. A measure of how quickly an asset can be turned into cash
83. A collection of assets that provides diversification for an investor
84. A place where investments are bought and sold
85. A debt instrument issued by a corporation or government
86. A period in the stock market when stock prices are steadily decreasing
87. A fund or an organization established and maintained for the purpose of supporting an institution or a cause
88. Money set aside for unplanned expenses
89. A period in the stock market when stock prices are steadily increasing
90. All that a person owns, less debts owed, at the time of death
91. The process of moving a retirement account balance to another qualified account without incurring a tax penalty
92. A contract purchased from an insurance company that guarantees a series of regular monthly payments for a set time
93. The fixed rate of interest paid semiannually for the life of a corporate bond
94. A contract giving the right to sell a companys products and services
95. An individual retirement account in which contributions are taxed, but earnings are not
96. A combination of funds within a single mutual fund company
97. An account used to buy and sell investments
98. Buying stocks and other investments directly from companies and holding them
99. A bond that is sold for less than its face value
100. A bond that is sold for more than its face value
Unit 4 Study Guide Name:_________________________
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