Wk 9 Exit Ticket 3.9, 3.10, 3.11, 3.12

Difficulty in providing tailored advice for complex situations

Higher risk of human error in investment decisions

Limited availability of low-cost investment options

Less frequent portfolio adjustments

It sets a fixed percentage of your income to be automatically invested.

It lets you manually choose which small stocks to invest in each month.

It analyzes your spending habits and invests based on discretionary income.

It invests leftover funds from rounding up each purchase to the nearest dollar.

Automatic payroll deductions that simplify saving.

Employer matching contributions to your retirement savings.

High liquidity allowing easy access to funds anytime.

Tax-deferred growth on your investments until withdrawal.

Investment accounts primarily used for real estate.

Types of savings accounts with no contribution limits.

Retirement savings accounts that offer tax advantages.

Government-funded retirement plans for all citizens.

Student loans

Employer-sponsored pension plans

Personal savings and investments

Social Security benefits

Most Americans rely solely on Social Security for their retirement income.

The majority of retirees have adequate savings to maintain their pre-retirement lifestyle.

All employers are required to offer retirement plans to their employees.

The average retirement age is steadily increasing due to longer life expectancy.

Expected lifestyle changes

Estimated healthcare costs

The color of their future home

Personal savings habits

An employee of a corporation sells shares based on confidential information about an upcoming merger.

A company executive buys stock after the company publicly announces strong earnings.

A financial analyst issues a report on a company’s performance without having any insider knowledge.

Short-term capital gains have no tax implications, while long-term capital gains are always taxed at a flat rate.

Short-term capital gains apply to assets held for over one year, while long-term applies to assets held for less than one year.

Long-term capital gains are taxed on all profits, while short-term capital gains are only taxed on profits above a certain threshold.

Short-term capital gains are taxed at the same rate as ordinary income, while long-term capital gains are taxed at lower rates.

Assess the performance of an investment without considering inflation.

Determine how much profit is made after accounting for inflation.

Measure the total return of an investment without factoring in risk.

Compare returns on investments without considering taxes.