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WorksheetsPERSONAL FINANCE – FINAL QUIZ#2
Total questions: 25
Worksheet time: 13mins
A balanced mutual fund invests only in fixed-income securities to ensure stability.
True
False
When choosing a mutual fund, an investor must consider the fund's historical performance as the sole basis for investment decisions.
True
False
Buying real estate in the Philippines requires an assessment of the property's zoning laws and title authenticity.
True
False
What is the primary advantage of investing in mutual funds?
Guaranteed high returns
Low risk with no market fluctuations
Professional fund management and diversification
Fixed income regardless of market conditions
Which of the following is NOT a type of mutual fund?
Equity Fund
Bond Fund
REIT Fund
Money Market Fund
What does NAVPS stand for in the context of mutual funds?
Net Asset Value Per Share
National Average Valuation of Portfolio Stocks
Nominal Asset Value Per Stake
Non-Aggregated Volatility of Public Shares
Which factor should an investor consider when choosing a mutual fund?
The fund manager’s experience and track record
The fund’s name and branding
Whether the fund guarantees returns
The fund’s ability to manipulate NAVPS
Which of the following is considered a disadvantage of real estate investment?
High liquidity and ease of selling
High transaction costs and maintenance expenses
Low capital requirement to acquire properties
No need for market research before purchasing
When purchasing a condominium unit in the Philippines, which factor should an investor consider to ensure long-term value appreciation?
The developer's reputation and project location
The unit’s interior paint color
The availability of personal storage space
The number of elevators in the building
Which financing option allows a homebuyer in the Philippines to acquire property with a flexible payment scheme?
Lump-sum cash payment only
Bank financing and Pag-IBIG housing loan
Mutual fund investment
Stock market loan
A good real estate investment typically has:
Limited market demand
No potential for rental income
High growth potential and location advantage
High maintenance costs with little resale value
In the Philippines, which government agency ensures the legal title and registration of real estate properties?
Bangko Sentral ng Pilipinas (BSP)
Bureau of Internal Revenue (BIR)
Land Registration Authority (LRA)
Securities and Exchange Commission (SEC)
Real Estate Investment Trusts (REITs) allow investors to:
Own actual physical real estate properties directly
Earn rental income without managing properties themselves
Take personal loans to finance property purchases
Avoid taxation on investment earnings
Mutual funds in the Philippines are regulated by the Securities and Exchange Commission (SEC), not BSP.
True
False
The Net Asset Value per Share (NAVPS) changes daily based on market performance.
True
False
A balanced mutual fund invests in both equities and fixed-income securities.
True
False
Open-ended mutual funds allow investors to redeem their shares anytime.
True
False
Money market funds have lower risk compared to equity funds.
True
False
Mutual funds provide professional management, which is a key advantage.
True
False
Mutual funds are not required to distribute dividends annually.
True
False
Diversification reduces risk by spreading investments across different assets.
True
False
Historical performance should be considered along with other factors like fund manager expertise and fund objective.
True
False
Real estate is illiquid, meaning it takes time to sell and convert into cash.
True
False
Location is a major determinant of real estate value and appreciation.
True
False
Buyers must check zoning laws and title authenticity before purchasing property.
True
False
