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SAVING AND INVESTMENTS

Total questions: 20

Worksheet time: 10mins

Name
Class
Date
1.

what is the meaning of saving?

a)

The process of putting money into a property

b)

The process of putting money to get the profit

c)

The process of saving money through a bank

d)

The process of putting money into a commercial venture

2.

There are some common ways of saving in the bank except

a)

Saving account

b)

Fixed deposit account

c)

Shares

d)

Current account

3.

Which account can be used for business purposes?

a)

Current account

b)

Saving account

c)

Fixed deposit account

4.

Account can be used as debit card except

a)

Fixed deposit account

b)

Current account

c)

Saving account

5.

To make a payment to another party by cheque, the account holder must saving their money in which account?

a)

Fixed deposit account

b)

Current account

c)

Saving account

d)

Unit trust account

6.

Which account cannot be withdrawn before the maturity date?

a)

Saving account

b)

Fixed deposit account

c)

Current account

d)

Real estate account

7.

The types of investment except

a)

Shares

b)

Unit Trust

c)

Real estates

d)

Saving account

8.

The example of investment in real estate except

a)

Ali buy a bungalow

b)

Khairul buy a luxury car

c)

Azizul buy seven hectare land

d)

Hannan buy a shop to start her business

9.

Which investment will receive the return in the form of rent?

a)

Real estate

b)

Shares

c)

Unit trust

10.

Choose the types of saving and investments based on this statement. Encik Rizal saves a total of RM500 in the bank.

a)

Shares

b)

Unit Trust

c)

Saving account

d)

Current account

11.

Puan Zakiah bought a house for RM 380000 in cash. She sold the house for RM 620000 after 5 years. The total amount of the charges involved in the transaction is RM 42000. Calculate the return of investment of Puan Zakiah.

a)

49.5%

b)

52.1%

c)

56.9%

d)

74.2%

12.

Save money for a certain period of time to get higher interest rates.

a)

fixed deposit account

b)

current account

c)

savings account

13.

Investors in unit trust will receive returns in the form of..

a)

rent and capital gains

b)

dividends and bonus shares

c)

capital gains and bonus

14.

Investors in real estate will receive returns in the form of..

a)

rent and capital gains

b)

dividends and bonus shares

c)

capital gains and bonus

15.
Risky investments
a)
Are meant to make small returns on investment
b)
May lead to a larger return on investment
c)
Are always long-term
d)
Involve checking accounts
16.
All of these are benefits to high liquidity investments except
a)
A high rate of return
b)
Easily accessible 
c)
Can convert to cash when needed
d)
Less risky
17.
Which is the least risky?
a)
Stock
b)
CD
c)
Savings account
d)
Mutual fund
18.
Your house cost 100,000. You put 20% down. What is your down payment? 
a)
10,000
b)
20,000
c)
100,000
d)
120,000
19.
A house cost 500,000. You put 100,000 down and borrow 400,000 at a 30 year 4% fixed interest rate. Which is your principal?
a)
600,000
b)
500,000
c)
400,000
d)
100,000
20.

What is compounding interest?

a)

interest that's not calculated on a regular basis

b)

interest that doubles the principal of an account

c)

interest gained only on the principal of an account

d)

interest that's added to the principal of an account

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