Investing

Retirement Plans (you didn't learn this)

100

A person must be THIS old before he/she can pull money out of a retirement account. Otherwise, there is a significant penalty.

What is 59 1/2 years old?

200

THIS retirement plan is funded by people on their own and has nothing to do with a person's employer. THIS retirement plan is taxed when the money is pulled out.

What is an IRA (Individual Retirement Account)?

300

THIS type of retirement plan is deducted from a person's paycheck and is usually reserved for government employees.

What is a 403(b)?

400

THIS type of retirement account does not give any tax benefit NOW, but is tax-free when the money is pulled out later.

What is a Roth IRA?

500

THIS type of retirement plan is deducted from a person's paycheck and is often matched by the employer.

What is a 401(k)?

Stocks

100

A share is called a "share" because you share in THIS?

What is ownership of the company?

200

A person who owns a stock is called THIS.

What is a shareholder?

300

When a company shares the profits with the shareholders, they pay THIS.

What is a dividend?

400

Stocks are traded on THIS.

What is a stock exchange or stock market?

500

True or False: Stocks are guaranteed to increase in value.

What is false?

Bonds

100

Bonds are actually THESE.

What are loans?

200

If you invest in a bond, you will receive THIS on a periodic basis.

What is interest?

300

The lowest risk bond is THIS type of bond.

What is a Treasury Bond or Treasury Bill?

400

When a city or county wants to borrow money, the will issue THIS type of bond.

What is a municipal bond?

500

Just like individual people, companies have THESE, which dictate the interest rate the company will pay on a bond.

What are credit scores?

Mutual Funds

100

A mutual fund is when people do THIS with their money so they hire a professional manager who can buy and sell more investments.

What is pool or put together?

200

Investing in a mutual fund allows a person to invest in many DIFFERENT assets, which is also know as THIS.

What is diversification?

300

By diversifying in a mutual fund, the investor lowers THIS.

What is risk?

400

A person can see if a mutual fund has done well by looking at THIS.

What is the fund's history or past performance?

500

Investing in a mutual fund is (MORE / LESS) risky than investing in individual stocks.

What is LESS risky?

Risk

100

A low risk investment usually has a low return. The relationship is THIS type of relationship.

What is a direct relationship?

200

A Treasury Bond is a very low risk bond because you are lending money to THIS entity.

What is the federal government?

300

When a person is in THIS stage of life, he/she should lower his/her risk since he/she doesn't have as much time to regain losses.

What is older or 50+ or getting close to retirement?

400

In order from the RISKIEST to the LEAST risky: savings accounts, stocks, bonds, treasury bonds, mutual funds.

What is: stocks bonds mutual funds treasury bonds savings accounts

500

You didn't learn this so this is a DAILY DOUBLE! When the market is going up, it is a THIS market. When the market is declining, it is a THIS market.

What is a BULL market (going up)? What is a BEAR market (going down)?