To entice investors to take on riskier investments, the investment must pay a _________ to offset the risk. A. Investment premium B. Investment incentive C. Personal guarantee D. Risk premium Which investment vehicle is not part of Tier II, the 'medium-risk, medium-return' zone? A. Quality growth stocks, blue-chip stocks B. Money market accounts C. Mutual funds, aggressive growth funds D. Real estate ____________ is the spreading of assets among different investment options to reduce risk. A. Laddering B. Diversification C. Portfolio D. Savings