Which of the following is $($are$)$ an example$($s$)$ of risk$-$pooling?

Group of answer choices

Working as a full$-$time accountant for a firm while teaching courses at night as a part$-$time instructor

Putting money into a safe at home and depositing some savings in different commercial banks

Including stocks from companies that do well during recession and companies that do well during boom in a financial portfolio

All of the answers are correct