Consider the following table of recommended asset allocation percentages of cash/bonds/equity:

Risk tolerance / Investment strategy	0-5 years	6-10 years	11+ years
Low risk / Conservative	35 / 40 / 25	20 / 40 / 40	10 / 30 / 60
Moderate risk / Moderate	20 / 40 / 40	10 / 30 / 60	0 / 20/ 80
High risk / Aggressive	10 / 30 / 60	0 / 20 / 80	0 / 0 / 100

If you believe that the allocation of assets in your portfolio should be modified to meet your retirement needs, then it is recommended that your holding of: Check all that apply.

__Equities be increased __Cash and cash equivalents be decreased __Bonds be increased __Equities be decreased __Bonds be decreased __Cash and cash equivalents be increased

Financial experts recommend that you should review and rebalance your investment portfolio at least once every ___________. A. Quarter B. Month C. Year D. 3 Years

Which of the following statements is true regarding the dollar-cost averaging strategy? Check all that apply.

__An advantage of dollar-cost averaging is that it imposesand requiresinvestor discipline. __For this strategy to be successful, you must be lucky and knowledgeable; discipline is irrelevant. __Dollar-cost averaging is successful in a rising, fluctuating, or declining market. __An advantage of dollar-cost averaging is that it can reduce the average cost of purchased shares over a long investment period. __Using this strategy, you can purchase a larger number of shares in a rising market than in a declining market.

As a long-term investor, how should you respond to a bear market?

A. Hold tight; do not sell, but do not continue investing. B. Continue with your investment plan; it is good to buy while the prices are low. C. Sell quickly to "stop the bleeding."