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1. Apply What You've Learned - Investment Fundamentals Scenario: You are 40 years old. Your investment portfolio currently consists of: (1) a savings account, with a $16,000 balance, (2) certificates of deposit (CDs) worth $20,000, and (3) an imvestment portfolio consisting of 40% bonds, 40% equities, and 20% cash and cash equivalents. Your bonds are thirty-year U.5. government bonds, while your equities are made up solely of your employer's stock. Your cash holdings consist of your savings account and CDs, Your employer's stock paid a 1% dividend and its market value has increased 10% over the last year. The bonds have paid 4.0% interest. The rate of inflation is 3.0%. Your investment goals are mainly focused on retirement, and you have no large purchases pianned in the short term. The value of your current investment portfolio is bonds, and in equities. . This consists of in cash and cash equivalents, Given the existing composition of your ifvestment portfolio, how would you characteristic your investment strategy? Is it conservative, moderate, or aggressive? The investment strategy is moderate. The investiment strategy is conservative. The investment strategy is agoressive. Given the existing composition of your investment portfolio, how would you characterize your risk tolerance? Are you risk averse, risk neutral, or risk seeking? You appear to be risk neutral. hiou appear to be risk averse. You appear to be risk seeking Think about the government bonds in your portfolio. To what kind of risk are you most susceptible because of this investment? Inflation risk Marketability risk Business fallure risk Liquidity risk Foreign exchange risk The real return on your government bonds is Think about the stock in your investment portfolio. To what type of risk (or risks) are you most susceptible? Only liquidity risk Pure risk Both market (systematic) and random (unsystematic) risks Only market, or systematic, risk Only random, or unsystemotic, risk Do you percelve a deficiency of some type in your equity holdings, and if so, of what type? Yes, according to the concept of asset allocation, I have too much stock in my portfolio No, it is better to invest in one company that you know really well than in companies you don't know as well Yes, my current equity holdings are inadequately diversifled No, my current equity holdings are appropriately diversified Consider the following table of recommended asset allocation percentages of cash/bonds/equity: 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, Bonds be increased Cash and cash equivalents be increased Equities be decreased Cash and cash equivalents be decreased Equities be increased Bonds be decreased Financial experts recommend that you should review and rebalance your investment portfolio at least once every Which of the following statements is true regarding the dollar-cost averaging strategy? Check all that apply. Dollar-cost averaging is successful in a rising, fluctuating, or declining market. For this strategy to be successful, you must be lucky and knowledgeable; discipline is irrelevant. Using this strategy, you can purchase a larger number of shares in a rising market than in a declining market. An advantage of dollar-cost averaging is that it can reduce the average cost of purchased shares over a long investment period. An advantage of dollar-cost averaging is that it imposes-and requires-investor discipline. As a long-term investor, how should you respond to a bear market? Hold tight; do not sell, but do not continue investing. Continue with your investment plan; it is good to buy while the prices are low. Sell quickly to "stop the bleeding