TRUE OR FALSE? and why ?

9. Dividend income and capital gains distributions are not part of the sources of return for a mutual fund. 10. If a mutual fund has a great historical performance, you are guaranteed a future high return 11. It really makes little difference whether you start retirement savings at age 25 or age 45. 12. The best retirement investment when you are still young, is fixed income securities such as CDs and Treasury notes. 13. IRA withdrawals, both Traditional and Roth, can be made without tax penalty at any time before you reach the age of 59 %. 14. You would most likely purchase an annuity from a bank. 15. A major disadvantage of an annuity is that you outlive your financial resources, 16. In a Roth 401(k), contributions are tax deductible and withdrawals are taxable. 17. If your health insurance has an 80% coinsurance clause, once the deductible is satisfied you must pay 80% of your covered losses. 9. Dividend income and capital gains distributions are not part of the sources of return for a mutual fund. 10. If a mutual fund has a great historical performance, you are guaranteed a future high return 11. It really makes little difference whether you start retirement savings at age 25 or age 45. 12. The best retirement investment when you are still young, is fixed income securities such as CDs and Treasury notes. 13. IRA withdrawals, both Traditional and Roth, can be made without tax penalty at any time before you reach the age of 59 %. 14. You would most likely purchase an annuity from a bank. 15. A major disadvantage of an annuity is that you outlive your financial resources, 16. In a Roth 401(k), contributions are tax deductible and withdrawals are taxable. 17. If your health insurance has an 80% coinsurance clause, once the deductible is satisfied you must pay 80% of your covered losses