Reading 20: Human Capital, Asset Allocation, and Life Insur white, style, black, class

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Q1. Which of the following is least likely a solution to longevity risk?

A)   SMarT programs.

B)   Social Security.

C)   Pension plans.

Q2. Which of the following is least likely to jeopardize an individual’s desired lifestyle and/or bequest?

A)   Liquidity risk.

B)   Savings risk.

C)   Longevity risk.

Q3. The three primary risks that could jeopardize the desired lifestyle and/or bequest of an individual include which of the following?

A)   Financial market risk, longevity risk, and savings risk.

B)   Longevity risk, savings risk, and inflation risk.

C)   Savings risk, financial market risk, maturity risk.

Q4. Which of the following is NOT an example of a cause of savings risk?

A)   The financial markets drop significantly wiping out a significant portion of a person’s wealth.

B)   A person expects to average a 12% rate of return in their 401k retirement account.

C)   A person fails to determine how much they need to save given an assumed rate of return and time frame.

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