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Wk 9 Exit Ticket 3.9, 3.10, 3.11, 3.12
By Tang Xiong
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Last updated about 4 hours ago
10 questions
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Question 1
1.
What is often considered one of the biggest limitations of robo-advisors compared to human financial advisors?
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
Question 2
2.
Which describes the primary method a spare-change app uses to grow your investment portfolio?
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.
Question 3
3.
All of the following are advantages of a 401(k), EXCEPT…
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.
Question 4
4.
401(k)s and IRAs are both…
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.
Question 5
5.
In retirement, it’s common to rely on income from all of the following sources EXCEPT...
Student loans
Employer-sponsored pension plans
Personal savings and investments
Social Security benefits
Question 6
6.
Which of the following statements is TRUE about the state of retirement in the U.S.?
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.
Question 7
7.
Ben is planning ahead for retirement. They should consider all of the following factors when determining how much they’ll need in retirement EXCEPT…
Expected lifestyle changes
Estimated healthcare costs
The color of their future home
Personal savings habits
Question 8
8.
Which of the following is an example of insider trading?
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.
Question 9
9.
What is one difference between short and long-term capital gains tax?
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.
Question 10
10.
The real rate of return on an investment would allow an investor to…
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.