TRUE/FALSE: Mark T or F

1. Congress conducts monetary policy.
2. Stocks are more risky than bonds.
3. To avoid exposure to market volatility that could erode savings intended for retirement, a person should transition their portfolio so that it carries more and more stocks and they approach retirement.
4. The real interest rate is the interest rate paid on an investment minus inflation.
5. In normal times short term Treasury securities pay a higher interest rate than long term Treasury securities.