QUESTION 2 True / False / Uncertain (15 marks) For each of the following statements, state whether you think the statement is true, false, or uncertain; and explain your answer. Marks will be given mainly for your explanation (5 marks each): (a) The two most important investment decisions a person can make in an efficient market is choosing what stocks to buy and when to buy them. (b) For a very rich family, such as Bill Gates, the kind of retirement planning discussed in class and in the textbook is unnecessary. (c) It is better to invest one's money in an ETF than an index fund because an ETF has a lower management expense ratio than an index fund