1.Roth IRAs and Roth 401(k) plans offer

a.tax deductibility for contributions up to a certain amount each year.

b.tax deductibilityfor withdrawals any time.

c.tax deductibilityfor withdrawals after age 591/2.

d.tax-deferral,tax deductible for contributions but withdrawals taxed as income.

e.tax exemption for withdrawals after age 591/2.

2.In the context of a mutual fund,"load"refers to

a.expected average annual dividend or coupon interest payout.

b.expected annual capital gain or loss.

c.expected average annual rate of return.

d.transaction fees or commissions.

3.If an investor wants a mutual fund that contains both bonds and stocks, the investor will seek a

a.money market mutualfund.

b.sector mutual fund.

c.balancedmutual fund.

d.equity-income mutual fund.

e.growthmutual fund.

4.For an orderly transfer of a probate estate,an individual needs

a.to be married.

b.to have their parents living.

c.to have named beneficiaries for all their assets.

d.to have completed a valid will.

e.to have an established retirement account.