Which of the following reasons are unlikely to prevent an individual from investing in the stock market?

a. Individuals have enough savings to invest into the stock market.

b. Individuals misperceive risks when they consider the ups and downs of individual stocks.

c. Individuals misperceive risks when they consider the ups and downs of the stock market at short horizons.

d. Individuals may not trust the financial system.

e. None of the above.