Which of the following statements is true? Select all that apply $($points will be deducted for wrong answers$)$

Question $3$Answer

a$.$

Exchange$-$Traded Funds $($ETFs$)$ are similar to mutual funds but are traded on stock exchanges like individual stocks, offering diversification, and often come with lower fees than mutual funds

b$.$

Savings accounts generally offer a higher interest rate than Certificates of Deposit $($CDs$).$

c$.$

Bonds always provide periodic interest payments, known as "coupons."

d$.$

Stocks offer a fixed return and are considered less risky than bonds and CDs$.$

e$.$

Checking accounts, typically utilized for day$-$to$-$day financial activities, traditionally have little to no interest earnings.