In the article Maslow Meets Retirement, self actualization is associated with which category of money? a. Freedom b. Gift c. Dream d. Survival e. Safety In the article Sustainable Withdrawals, the author explains that withdrawing an "average rate of return" from your portfolio does not necessarily allow your money to last forever since a. stock markets are subject to secular bear markets. b. the effects of inflation, over the long-term, will overwhelm your portfolio. c. a balanced portfolio of 60% stocks and 40% bonds does not allow for sufficient portfolio growth. d. stock markets are volatile. In the article Sustainable Withdrawals, the author uses historical data on investment returns and inflation in order to determine the optimal withdrawal rate. The limitations of this approach include all of the following EXCEPT: a. The spending pattern for a retiree will change throughout their retirement. b. The historically high dividend yields on stocks may no longer hold today. c. The data pool is limited in time and scope. d. A 30-year retirement longevity level may no longer be the appropriate baseline level for a sustainable portfolio. In the article The Three Phases of Retirement, it is claimed that once people enter their 80 s, they spend less and save more. The article goes on to indicate that this happens because: a. retirees start to worry more about the health expenses they are going to incur at an advanced age. b. the very elderly have fewer opportunities to spend. c. older retirees wish to leave a large bequest to their children. d. a small percentage of wealthy older retirees are skewing the results