1. What factors must you consider when selecting a mutual fund? 2. For a mutual fund, if the actual return is 12 % and the expected return is 14%, what is the alpha for that fund? 3. Explain why most ETFs have lower operating expenses than most Mutual Funds. 4. What is the difference between a debenture and a second mortgage bond? 5. When you buy a bond, why do you pay accrued interest