Please, I need help with these questions and I want to get full mark!!

Please do not answer the questions if you are not sure about it?

Thank you so much for the help.

1- _____________ is money set aside for future use in a secure, no-risk instrument.

A- An investment

B- Savings

C- Discipline

D- Allocation

2- The first question to ask when deciding whether to save or invest is:

A- How much money do I have in an emergency fund?

B- When will I need the money?

C- Is the money insured?

D- Can I get at least 10% return on this money?

3- _______________ is the risk you take when you lock into a fixed-rate investment for a specific length of time.

A- Default risk

B- Interest rate risk

C- Market risk

D- Liquidity risk

4- ______________ is the risk that the value of your investment will decrease due to changes in the market.

A- Default risk

B- Interest rate risk

C- Market risk

D- Liquidity risk

5- To maintain a secure amount but still grow your money, _________________ your investments across different risk options.

A- minimize

B- diversify

C- stratify

D- ladder

6- In the investment pyramid, your base is _________________.

A- a 'cover your assets' zone

B- a 'penny a day' savings zone

C- a 'no-risk, known-return' savings zone

D- an investment base

7- ___________ is the spreading of assets among different investment options to reduce risk.

A- Laddering

B- Diversification

C- Portfolio

D- Savings

8- Which is not one of the advantages of 529 college savings plans?

A- You pay no taxes on the account's earnings.

B- Anyone (your mom, dad, grandparents, uncles, aunts, etc.) can contribute to the account and, in some state-sponsored plans, the contribution is deductible from state taxes.

C- Even if you are currently in college, you can contribute to a 529 plan, and the earnings won't be taxed if they are used for qualified educational expenses.

D- Balances left over after completing your education can be rolled over into a Roth IRA.

9- Mutual funds are valued at their _________________, which is the total value of all the assets minus costs, divided by the number of shares outstanding.

A- net of assets after cost (NAC)

B- net assets shares outstanding (NASO)

C- net asset value (NAV)

D- net assets over shares (NAS)

10- Which of the following are among the fund manager's responsibilities?

A- Buy and sell assets

B- Maximize the growth of the fund given the specific investment objective

C- Minimize the losses of the fund

D- All options are correct.

11- Closed-end mutual funds _________________.

A- allow investors to add new money at any time

B- have a fixed number of shares and trade based upon supply and demand

C- are priced based on the return of a one-year Treasury bill

D- have no commission

12- When you buy a mutual fund, you own _________________.

A- the individual stock directly

B- shares of a fund that owns the assets

C- stock in the mutual fund company

D- stocks and bonds

13- Mutual funds are first categorized into _________________ funds.

A- open and closed

B- load and no-load

C- profitable and unprofitable

D- mutual and exclusive

14- ______________ is a market-performance measurement index. Derived from the stock of 500 large companies on the U.S. market, it is designed to be a leading indicator of U.S. equities and is intended to reflect the risk/return characteristics of the large-cap companies.

A- Standard & Poor's 500

B- Standard & Poor's 2000

C- Russell 500

D- Russell 2000

15- _______________ are funds with a combination of stocks, bonds, and cash.

A- Global funds

B- International funds

C- Exclusive funds

D- Balanced mutual funds

16- A(n) _________________ is a sales charge that can be charged when investments are made in the fund or when money is withdrawn from the fund.

A- Fund fee

B- Load

C- Expense ratio

D- Transaction fee