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Learners Assessment Challenge
1. What does the term investment primarily refer to?
A. Spending all income on wants
B. Allocating money into assets or ventures to earn a return over time
C. Hiding savings from others
D. Withdrawing cash regularly
2. Which one of the following explains the importance of insurance?
A. Prevents all accidents from happening
B. Provides financial protection against a loss
C. Increase profits for business
D. None of the above
3. Who can buy insurance?
A. Any person or business
B. Only banks and hospitals
C. Only the government
D. Only parents or guardians
4. Why is investing important for individuals?
A. It allows money to lose value over time
B. It supports long-term wealth creation and financial security
C. It removes the need for saving
D. It increases monthly spending
5. A person who has strong investment discipline will likely:
A. Follow peer pressure when choosing assets
B. Make random financial decisions
C. Stick to their financial plan despite market changes
D. Avoid setting goals
6. Investing in company shares or bonds is known as:
A. Informal lending
B. Speculative saving
C. Financial investment
D. Real estate speculation
7. Which of the following is an example of a real asset investment?
A. Treasury bills
B. Rental property
C. Company stock
D. Savings account
8. Investing in company shares or bonds is known as:
A. Informal lending
B. Speculative saving
C. Financial investment
D. Real estate speculation
9. Which one of the following is a long-term insurance product?
A. Motor vehicle third party insurance
B. Livestock and crop insurance
C. Medical insurance
D. Education policy
10. What is a common personal source of investment capital?
A. Unplanned spending
B. Budget surplus or personal savings
C. Lottery winnings only
D. Impulse buying
11. Which of the following reflects a smart investment rule?
A. Put all your money in a single investment
B. Invest without knowing your risk tolerance
C. Diversify across assets to manage risk
D. Make decisions based on rumours
12. Before making any investment, one should:
A. Sign contracts without reading them
B. Ensure the return is guaranteed at all costs
C. Understand the risks, timeframe, and legal structure
D. Rely only on gut feelings
13. A combination of various investment products like bonds, shares, securities, mutual funds is called as
A. Portfolio
B. Investment
C. Speculation
D. Gambling
14. The main objective of portfolio is to reduce------------- by diversification
A. Return
B. Risk
C. Uncertainty
D. Percentage
15. Amount of money paid to a company’s shareholders on regular basis
A. Bonds
B. Profit
C. Cashback
D. Dividends
16. ROI denotes
A. Return of Investment
B. Return on Interest
C. Return on Income
D. Risk on Investment
17. The length of time that an investment is expected to last
A. Portfolio
B. Interest
C. Diversification
D. Term
18. Which investment avenue involves buying shares of Companies
A. Mutual funds
B. Real estate
C. Equities/stocks
D. Bonds
19. Which investment avenue involves debt instruments issued by Government or Corporations
A. Gold
B. Mutual Funds
C. Bonds
D. Real estate
20. The process by which one choose the securities and other assets to include in a portfolio is known as
A. Portfolio selection
B. Portfolio Revision
C. Portfolio diversification
D. None of the above
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