Financial Literacy: Investing
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1 he Basics of Investing irections: nswer the following questions. 1. hich of the following is O one of the three main investment categories?. tocks B. utual Funds C. Bonds. Cash 2. he total of all of your assets including stocks, bonds, cash, real estate and other types of investments you may own is which of the following?. Portfolio B. rades C. Bull arket. Bear arket 3. Buying or selling of stocks and bonds in the capital market is known as which of the following?. Portfolio B. rades C. Bull arket. Bear arket I 4. n overall increase in value of the capital market is known as which of the following?. Portfolio B. rades C. Bull arket. Bear arket 5. n overall decrease in value of the capital market is known as which of the following?. Portfolio B. rades C. Bull arket. Bear arket ccompanies: Financial Literacy: Investing 1
2 6. Buying stocks or bonds in individual companies, such as buying stock in ell or ahoo!, is which of the following?. Individual Investments B. utual Funds C. mployer-ponsored Plans. Individual etirement Plans 7. Buying into a large group of stocks or bonds instead of in individual companies is which of the following?. Individual Investments B. utual Funds C. mployer-ponsored Plans. Individual etirement Plans 8. Investing a percentage of your paycheck each month into your company s retirement plan is which of the following?. Individual Investments B. utual Funds C. mployer-ponsored Plans. Individual etirement Plans 9. Investing in a retirement plan designed specifically for individuals to use in place of or in addition to a company retirement plan is which of the following?. Individual Investments B. utual Funds C. mployer-ponsored Plans. Individual etirement Plans I 10. hich of the following is O a type of investment account which best describes when you paid or will be expected to pay taxes on the money you put into the account?. axable ccount B. Income ax ccount C. ax-eferred ccount. ax-xempt ccount ccompanies: Financial Literacy: Investing 2
3 isk and eward irections: nswer the following questions. 1. argaret, who is 60 years old, is changing her investment portfolio to one with less risk than she has had in the past. he is putting most of her money in cash investments such as money market funds and certificates of deposit. hich of the following best describes this scenario?. Low isk B. Limited isk C. oderate isk. High isk 2. Janet enjoys making investments which pay her money every so often in the form of interest or dividend payments so she invests her money in blue-chip companies and highly rated government bonds. hich of the following best describes this scenario?. Low isk B. Limited isk C. oderate isk. High isk 3. revor likes to identify small companies with new products which appear to have an appeal of a large base of potential customers. Once he identifies these companies, he likes to invest his money in them before the new products have had much time on the market. hich of the following best describes this scenario?. Low isk B. Limited isk C. oderate isk. High isk II ccompanies: Financial Literacy: Investing 1
4 4. cott is in his 20s and never took time to learn much about investing before he started earning his own money. He wants to get rich as quickly as possible and is willing to take some risks to achieve his goal. hich of the following best describes this scenario?. Low isk B. Limited isk C. oderate isk. High isk 5. ntonio is in his mid-20s and just starting out in his career with a company which offers a retirement plan. hich of the following is O the best investment choice for him over the next 20 years or so?. peculative, high-risk investments B. His company s retirement plan C. onthly investments in a balanced mutual fund. Cash investments II ccompanies: Financial Literacy: Investing 2
5 Calculating our eturn irections: nswer the following questions. 1. If you buy 200 shares of a company s stock which pays $1.50 per share in dividends each year, how much money will you earn in the first year in dividends only?. $150 B. $200 C. $300. $ If you buy 200 shares of a company s stock (they do not pay a dividend) at $5 per share, and then sell those 200 shares for $7 per share, how much money will you have earned in growth on this stock?. ou will earn $200 B. ou will earn $400 C. ou will lose $400. ou will lose $ If you buy 200 shares of a company s stock (they do not pay a dividend) at $7 per share, and then sell those 200 shares for $4 per share, how much money will you have earned in growth on this stock?. ou will lose $600 B. ou will earn $600 C. ou will earn $300. ou will lose $1000 III 4. If you invest $1000 in a money market which pays you an nnual Percentage ate of three percent interest, how much money will you earn in the first month? (eminder: he nnual Percentage ate is divided by how many payments per year you will be receiving.). $30 B. $2.50 C. $3.00. $300 ccompanies: Financial Literacy: Investing 1
6 5. If you purchase a bond with a face value of $1000 at a 10 percent discount, how much will you pay for the bond?. $1100 B. $1000 C. $900. $990 III ccompanies: Financial Literacy: Investing 2
7 he Basics of tocks irections: nswer the following questions. 1. hich of the stock types listed below best describes a company which pays dividends to its stockholders?. Growth tock Companies B. Income tock Companies C. Potential tock Companies. Future tock Companies 2. hich of the stock types listed below best describes a company which may or may not pay a dividend to its stockholders but does have the potential to increase its overall value?. Growth tock Companies B. Income tock Companies C. Potential tock Companies. Future tock Companies 3. hat is the average price per share which indicates shares traded below this price are penny stocks and shares traded above this price are blue chip stocks?. $1 B. $5 C. $100. $50 IV 4. If an investor wants to protect himself with investments which do well when the economy is doing poorly, in which of these two types of stocks should he invest?. Cyclical B. efensive C. Possessive. Income ccompanies: Financial Literacy: Investing 1
8 5. hich of the following is another type of stock that can also be considered an income stock?. Common B. Preferred C. Penny. Quarter 6. If an investor wants a stock which will follow what trends of the economy, in which of these types of stocks should he invest?. Cyclical B. efensive C. Common. Preferred 7. hich of the following types of stock are considered to be a higher risk than a blue chip stock?. efensive B. Penny C. Cynical. Preferred 8. hich of the following is another type of stock which can also be considered a growth stock?. Common B. Preferred C. Penny. efensive IV 9. hen a company first sells its stock to the public investors, this is known as what type of market?. econdary arket B. Bull arket C. Primary arket. Bear arket ccompanies: Financial Literacy: Investing 2
9 10. n investor owns 500 shares of XZ stock which is valued at $100 per share. he company does a 4:1 split which now gives the investor 2000 shares of the XZ stock. How much will the price likely be per share when this stock split occurs?. $400 B. $100 C. $25. $50 IV ccompanies: Financial Literacy: Investing 3
10 he Basics of Bonds irections: nswer the following questions. 1. bond represents which of the following for the investor?. Ownership in the company B. ebt of the company owed to the investor C. Generalist company man. Fixed eturn 2. hich of the following is a corporate bond which is simply secured or backed by the general credit of the corporation?. ebenture Bond B. sset-backed Bond C. General eview Bond. Fixed Bond 3. hich of the following is a corporate bond which is secured or backed by some or all of the assets of the corporation?. ebenture Bond B. sset-backed Bond C. General evenue Bond. Ownership Bond V 4. municipal bond which is issued by a government entity similar to a corporation s debenture bond is which of the following?. General Obligation Bond B. evenue Bond C. either type applies. Ownership Bond 5. unicipal bonds can be used by different levels of government to do which of the following?. Highway Projects B. ree ystem Projects C. Hire a new basketball coach. Investor Projects ccompanies: Financial Literacy: Investing 1
11 6. -Bill refers to a.. reasury bond which is considered as which of the following?. Low-risk cash investment B. High-risk cash investment C. Current cash investment. iscount cash investment 7. n gency Bond is a bond related to which of the following?. Government B. Bank C. Company. Individuals 8. hich of the following is O a basic way to make money with bonds?. Growth B. Interest C. iscount ates. Investment 9. If you buy a $10,000 bond which pays eight percent interest once a year and you hold the bond for one year, how much will you earn in interest?. $80 B. $800 C. $ $8.00 V 10. If you buy a discounted bond with a face value of $10,000 at a discount rate of five percent, how much will you pay for the bond when you buy it?. $500 B. $10,500 C. $9,500. $5000 ccompanies: Financial Literacy: Investing 2
12 he Basics of utual Funds irections: nswer the following questions. 1. hich type of investment carries the lowest risk for an average individual investor?. Individual Growth tocks B. gency Bonds C. Balanced utual Funds. peculative utual Funds 2. he fund has had a consistent return for the last three to five years. his statement describes which of the following?. Performance B. isks C. Costs. Balanced 3. is known as a commission of one percent, paid each time the investor deposits new money into the mutual fund. hich of the following terms best fits this definition?. o Load B. Front nd Load C. Back nd Load. dministrative Fees 4. he risk level of a mutual fund is dependent on which of the following?. dministrative fees within the fund B. tocks and bonds held within the fund C. Individual growth. tock market F I L 5. lice deposits $100 into her mutual fund account every month, buying as many shares as this amount will cover. hich of the following terms best fits this scenario?. onthly verage eturn B. onthly Cost veraging C. eturn Cost veraging. ollar Cost veraging ccompanies: Financial Literacy: Investing 1
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