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Investing for Retirement 2025

Total questions: 67

Worksheet time: 34mins

Name
Class
Date
1.

Which term refers to life after leaving the workforce?

a)

Investing

b)

Retirement

c)

Diversification

d)

Inflation

2.

Social Security benefits are funded through:

a)

Gas tax

b)

Payroll tax

c)

Sales tax

d)

Estate tax

3.

Which replaces only part of your income in retirement?

a)

401(k)

b)

Pension

c)

Social Security

d)

Robo-advisor

4.

Money making more money over time is:

a)

Depreciation

b)

Diversification

c)

Compound interest

d)

Inflation

5.

Investments with higher potential returns usually have:

a)

Lower risk

b)

No fees

c)

Higher risk

d)

Guarantees

6.

Spreading investments across different asset types is called:

a)

Compounding

b)

Diversification

c)

Tax deferring

d)

Borrowing

7.

Buying ownership in a company means buying:

a)

Bonds

b)

Stocks

c)

Certificate of Deposit_(CD's)

d)

Insurance

8.

Interest-paying loans to corporations or governments are:

a)

ETF's

b)

Mutual Funds

c)

Bonds

d)

Dividends

9.

A group of investments managed together is a:

a)

401(K)

b)

Portfolio

c)

Paycheck

d)

Pension

10.

Investment fee charged annually by funds:

a)

RMD

b)

Expense Ratio

c)

Divident

d)

FICO Score

11.

Index funds usually have ______ fees.

a)

High

b)

Low

c)

No

d)

Hidden

12.

Which trades like a stock all day long?

a)

Mutual Fund

b)

ETF

c)

CD

d)

Treasury Bill

13.

A contribution taken directly from a paycheck occurs in a:

a)

Roth IRA

b)

401(K)

c)

Brokerage account

d)

Savings account

14.

“Free money” from your employer when saving for retirement:

a)

Dividends

b)

Bonus Stock

c)

Employer Match

d)

Jackpot Return

15.

Which account may offer a current-year tax deduction?

a)

Roth IRA

b)

Traditional IRA

c)

Savings Account

d)

Checking Account

16.

Tax-free withdrawals in retirement come from:

a)

Mutual Fund

b)

Traditional IRA

c)

Roth IRA

d)

Bond

17.

What does IRA stand for?

a)

International Retirement Association

b)

Individual Retirement Account

c)

Investment Reimbursement Act

d)

Indexed Rate Asset

18.

Required withdrawals at age 73 are called:

a)

APR's

b)

RMD's

c)

ETF's

d)

CD's

19.

Which account has income limits to contribute?

a)

Roth IRA

b)

401(K)

c)

Savings Account

d)

Pension

20.

Which is created by an employer and often has a match?

a)

401(K)

b)

Roth IRA

c)

Mutual Fund

d)

ETF

21.

Automatic investing managed by algorithms:

a)

Rob-Advisor

b)

Micro-loan

c)

Hedge Fund

d)

Payroll Tax

22.

Investing small amounts regularly using apps:

a)

Underwriting

b)

Micro-investing

c)

Flaming

d)

Compound purchasing

23.

Which document shows your investment performance?

a)

Diploma

b)

Spec sheet

c)

Account Statement

d)

Warranty Card

24.

Paying taxes later instead of now is:

a)

Tax deferred

b)

Tax free

c)

Tax evasion

d)

Tax matching

25.

A guaranteed lifetime income from employer based on service:

a)

Pension

b)

Bond

c)

ETF

d)

Savings Account

26.

What protects deposits in banks up to $250,000?

a)

IRS

b)

FDIC

c)

SEC

d)

FBI

27.

A CD usually has:

a)

High liquidity

b)

Fixed term

c)

High risk

d)

No penalties

28.

Which typically earns lowest rate of return?

a)

Stocks

b)

Bonds

c)

Savings accounts

d)

ETF's

29.

Money taken from paycheck to fund Social Security is:

a)

Income tax

b)

Sales tax

c)

Payroll tax

d)

Capital gains tax

30.

What is a dividend

a)

Fee on retirement accounts

b)

Profit paid to stockholders

c)

Tax on funds

d)

Government payment

31.

When must penalty-free withdrawals begin?

a)

Age 40

b)

Age 50.5

c)

Age 50

d)

Age 65

32.

What happens when you take money out too early?

a)

RMD

b)

Penalty + taxes

c)

Bonus + match

d)

Fund load fee

33.

Apps that buy fractional shares allow investors to:

a)

Buy only whole shares

b)

Invest small dollar amounts

c)

Get guaranteed returns

d)

Avoid taxes

34.

Which plan has higher contribution limits?

a)

Roth IRA

b)

401(K)

c)

Savings account

d)

CD

35.

Which does NOT vary with market performance?

a)

Stock price

b)

CD Interest

c)

Mutual fund value

d)

ETF Price

36.

Who manages mutual funds?

a)

Employers

b)

Professional investors

c)

Individual shareholders

d)

IRS agents

37.

Stocks and bonds together create:

a)

CD

b)

Portfolio

c)

Pension

d)

Match

38.

What lowers risk?

a)

Borrowing

b)

Diversification

c)

Inflation

d)

Panic selling

39.

What causes rising prices over time?

a)

Inflation

b)

Recession

c)

Automation

d)

Deflation

40.

What is capital gain?

a)

Borrowed money

b)

Profit from selling an investment

c)

Government tax

d)

Penalty for early withdrawal

41.

Income limits apply to which?

a)

401(K)

b)

Pension

c)

Roth IRA

d)

Mutual Fund

42.

Automatic contributions apply to ______.

a)

Once a year

b)

Only in March

c)

Every paycheck

d)

Only in Retirement

43.

Which has the lowest liquidity?

a)

Cash

b)

ETF

c)

Savings account

d)

CD with a long term

44.

Tax-free growth applies to:

a)

Roth IRA

b)

Traditional IRA

c)

Bonds

d)

401(K)

45.

Which statement is true?

a)

All retirement accounts require RMDs

b)

Roth IRA has no RMDs

c)

CDs outperform all investments

d)

Savings accounts are high-risk

46.

What age do RMDs begin?

a)

59.5

b)

50

c)

73

d)

21

47.

An standard investment account with no tax advantages

a)

Pension

b)

401(K)

c)

Brokerage account

d)

Tax form

48.

Which helps younger investors save easier?

a)

Micro-investing

b)

Payday loans

c)

Credit cards

d)

Lay away

49.

A new investor is worried about investing right before a drop. Which strategy helps reduce timing risk?

a)

Borrowing to invest

b)

Dollar Cost Averaging

c)

Waiting until retirement

d)

Withdrawing early

50.

Maria contributes pre-tax money now and expects a lower tax rate later. Which account aligns best?

a)

Roth IRA

b)

Traditional IRA

c)

Savings account

d)

Pension loan

51.

Which situation demonstrates compound interest?

a)

Money under a mattress

b)

Earning interest on reinvested profits over time

c)

Buying items on sale

d)

Only earning wages

52.

Liam is changing jobs. What should he do with his old 401(k)?

a)

Cash it out immediately

b)

Roll it into a new employer plan or IRA

c)

Spend it on wants

d)

Close it and lose all contributions

53.

Which investor is MOST likely to benefit from micro-investing?

a)

A billionaire CEO

b)

A beginner with $5–$20 a week to invest

c)

Someone who refuses to automate

d)

A retiree needing income now

54.

Inflation rises 4%. Ava’s savings earned 1%. What occurred?

a)

Purchasing power decreased

b)

Purchasing power increased

c)

Inflation fell

d)

Growth beat inflation

55.

Jason wants minimal fees and to follow the overall market. He should choose:

a)

Actively managed mutual fund

b)

Crypto coin

c)

Index fund ETF

d)

Penny stock

56.

Which investor uses an application strategy to reduce emotional decision-making?

a)

Eve times the market daily

b)

Max uses DCA automatically

c)

Bob invests once at random

d)

Kelly keeps funds as cash

57.

Which investment is most likely to outpace inflation over decades?

a)

High-risk stocks only

b)

Stocks + bond diversified fund

c)

Savings account

d)

Cash under mattress

58.

Morgan wants high growth potential and is comfortable with volatility. Best choice?

a)

CD's

b)

Stocks

c)

Savings Bonds

d)

Treasury Bills

59.

Zoe wants tax-free retirement income. She must choose an account funded with:

a)

Pre-tax Dollars

b)

After-tax Dollars

c)

Borrowed Money

60.

Why do many long-term investors prefer ETFs over mutual funds?

a)

Higher fees

b)

Intraday trading & lower cost

c)

No diversification

d)

Guaranteed returns

61.

What should a student investor do who only has $10 per week?

a)

Wait until 50 to invest

b)

Micro-invest using fractional shares

c)

Only keep cash

d)

Buy real estate

62.

What is the main benefit of tax-deferral?

a)

Avoid taxes forever

b)

Pay taxes after retirement when income taxes may be lower

c)

Double taxation

d)

Higher fees

63.

Which person uses an investing professional to actively maximize gains?

a)

ETF buyer

b)

Mutual fund investor

c)

Bondholder

d)

Savings account owner

64.

Bonds are best described as:

a)

Ownwership

b)

Loans

c)

Crypto

d)

Employer Matches

65.

Which choice reduces emotional investing mistakes?

a)

Dollar Cost Averaging(DCA) automation

b)

Timing the market

c)

Listening to rumors

d)

Checking portfolio hourly

66.

Best first step for any 401(k) investor:

a)

Contribute 0%

b)

Contribute up to employer match

c)

Withdraw immediately

d)

Borrow from 401(k)

67.

Which improves long-term outcomes the MOST?

a)

Short-term trading

b)

Doing nothing

c)

Starting early + being consistent

d)

Waiting for perfect timing

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