Are you Smarter than a 5th Grader? (30 questions!) - Download

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5 Categories 30 Questions

Can bonds lose money? Over the past 50 years, what is the riskiest asset class?

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Category 1

Can bonds lose money?

Yes

Over the past 50 years, what is the riskiest asset class?

Savings Accounts

FDIC insure savings accounts for up to $______?

$250,000

A realized gain in a stock will be taxes as ______?

Capital Gains (20%)

A stock would be an example of "loanership"/debt or "ownership?"

Ownership

A mutual fund does not benefit from which of these; Professional management, Tax deferral, Diversification of investments, Convenience

Tax Deferral

Category 2

How often should you check your credit report?

Once per year.

An example of "good" debt would be; A home, a credit card, a used car?

A home.

Correcting a mistake on your credit report should; prove you're smarter than a 5th grader, lower your cost of debt, allow you to borrow more money.

Lower your cost of debt.

A reason to refinance would be; To lower monthly payment amounts or to pay off the loan faster?

Both answers are correct.

If you have taken on too much debt, the first step should be?

Create a budget.

Using debt to finance a college education would be considered "bad" debt?

False, as long as the asset value of the education obtained is greater than the cost of the debt.

Category 3

A public company with a market cap of $12.5 billion would be classified as a ________ cap stock?

Large cap.

Small cap stocks are attractive for their; volatility, tax efficiency, growth potential, emotional thrill.

Significant growth potential.

Multiplying a company's outstanding shares by the company's stock price per share would be the company's _____________?

Market capitalization.

Blending savings accounts, with CD's and bonds would be an adequate level of diversification?

No. These are a only safety of principal and fixed income investments. What's missing?

Where your securities are custodied is an important asset allocation decision?

No. (And diversifying custody is often a poor business decision as the fees are usually higher.)

The "buy and hold" strategy is the best way to manage your asset allocation throughout your lifetime?

No. "Buy and "hold" actually refers to purchasing individual securities. You asset allocation should be changing throughout your investing lifetime.

Category 4

The purpose of a budget would be; to determine when you can retire, to determine your asset allocation, to determine how much money you make, to plan on how you will spend your money.

To plan how an individual's or family's money will be spent.

Your Balance Sheet would include; assets, income, liabilities, expenses?

Assets & liabilities.

Your mortgage payment would be categorized as a discretionary expense?

A 5th grader might not know the answer, but your banker knows that the answer is "no." It's a fixed expense.

If you are spending more than you earn, you should first reduce your fixed or variable expenses?

Variable first, and then fixed if you still cannot balance the equation.

A budget will help you save money?

Yes.

The dominate benefit of having a budget is to determine where you can go on vacation?

No, not the dominant benefit, but it can be very beneficial.

Category 5

True or False, equities have more risk than bonds?

True! Equities or stocks can fluctuate greatly in value, but bonds are more stable.

MPT is best described as; collateralization, diversification, stratification.

Diversification.

3DPT adds what asset classes to one's portfolio mix? s

Social and Personal

"How to make a difference" would be which of the 3 dimensions of wealth?

Social Wealth.

The Prudent Investor Rule would limit your allocation to ONE holding in your portfolio?

10%.

The Prudent Investment Rule would recommend limiting your investments to one asset class to _____%.

33.3%.

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