The risk-return relationship means O risk and return have little or no correlation. O the lower the risk, the potential for a higher the return. o the higher the risk, the lower the return. O the higher the risk, the potential for a higher the return. Life insurance is required by federal law, but life insurance is not required by state law. O True O False When you are "investing" in gold and collectibles (i.e. beanie babies, baseball cards), you are actually O diversifying your investment portfolio O speculating O hedging O discreetly investing