Personal Finance | Asset Allocation & Diversification

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What is asset allocation?

1 point

a) Investing all your money in one company

b) Spreading investments across different asset type

c) Holding only cash to avoid risk

d) Selling all assets when the market drops

Why is diversification important?

1 point

a) It guarantees high returns

b) It eliminates all risk

c) It spreads risk across multiple asset types

d) It allows you to predict the market

Which of the following are common asset types used in portfolio allocation? (Select all that apply.)

1 point

a) Stocks

b) Bonds

c) Real estate (REITs)

d) Lottery tickets

Required

Which risk tolerance level is most likely to have the highest percentage of bonds?

1 point

a) Low risk

b) Moderate risk

c) High risk

d) All risk levels are the same

A young investor with a long time until retirement should generally invest more in:

1 point

a) High-growth stocks

b) Only cash savings

c) Bonds and low-risk assets only

d) Gold and cryptocurrency

If your portfolio is 80% stocks and 20% bonds, what type of risk tolerance does this likely represent?

1 point

a) Low risk

b) Moderate risk

c) High risk

d) No risk

What are some signs that a portfolio is NOT well diversified? (Select all that apply.)

1 point

a) All investments are in a single stock

b) Investments are spread across different asset types

c) Portfolio only contains one industry (e.g., technology)

d) The portfolio is balanced between stocks, bonds, and real estate

Required

Which asset class typically provides steady income and lower risk?

1 point

a) Stocks

b) Bonds

c) Cryptocurrency

d) Growth stocks

Required

Which strategy helps investors maintain their target asset allocation over time?

1 point

a) Rebalancing

b) Selling stocks every month

c) Buying more of the same asset class

d) Never changing investments

Which of the following is an example of a HIGH-RISK investment?

1 point

a) Treasury bonds

b) Index funds

c) A diversified ETF

d) A single high-growth tech stock

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