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Fixed Investments — Quiz Answers

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A city government sets aside funds periodically into a special account to ensure it can repay the principal of its municipal bonds at maturity. The money in this account is invested in government bonds that pay a fixed interest rate. Is the interest earned on this sinking fund fixed?

A
Yes, because all sinking funds have fixed investments.
B
No, because the money is invested in government bonds with a variable interest rate.
C
No, because sinking funds do not earn interest.
D
Yes, because the money is invested in government bonds with a fixed interest rate.
2
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Which scenario is a fixed investment?

A
a certificate of deposit (CD) with a fixed interest rate for a term of 3 years, with the principal repaid at maturity
B
a savings account with a variable interest rate and no fixed term
C
an index fund that tracks a market index and has returns varying with market performance
D
a stock investment with dividends that fluctuate based on the company's annual profits
3

An investment involves owning shares in properties, with income based on rental agreements and property value appreciation. Is this a fixed investment?

A
Yes, because it involves real estate.
B
No, because it guarantees principal repayment.
C
No, because the income depends on rental agreements and property values.
D
Yes, because it provides income.
5

An account offers a guaranteed 3% interest rate, with interest compounded annually, and the principal amount can be withdrawn after 5 years. Is this a fixed investment?

A
No, because it allows early withdrawal.
B
No, because the interest is compounded annually.
C
Yes, because it is a savings account.
D
Yes, because it offers a guaranteed interest rate and principal repayment at a specified time.
6

You have an investment where you make regular payments over a specified period. In return, you receive guaranteed monthly income payments for the rest of your life. This investment is particularly useful for ensuring a steady income stream during retirement. Which investment is it?

A
Certificate of deposit (CD): CDs offer fixed interest rates and maturity periods, but not lifelong income.
B
Mutual fund: Mutual fund returns vary based on market performance.
C
Bond: Bonds offer fixed interest payments and principal repayment at maturity.
D
Annuity: Annuities provide regular, guaranteed income payments for life.
7

Identify the fixed investment from the described scenarios.

A
a mutual fund that invests in various stocks and bonds with variable returns
B
a bond that pays a fixed interest rate and repays the principal at a set maturity date
C
a property investment where income depends on rental agreements and property value
D
a savings account with an interest rate that changes based on the bank's policies
10

An index fund tracks a market index and offers returns based on market performance. Is this a fixed investment?

A
Yes, because it tracks a market index.
B
Yes, because it offers diversified returns.
C
No, because the returns are variable and depend on market performance.
D
No, because it does not guarantee principal repayment.

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