1. Why is it problematic to ask about investments without considering the investor?

2. According to Simon Sinek’s philosophy, where should the discussion of investments begin?

3. When financial objectives are assigned amounts and timelines, they are known as:

4. What is the first step in goal setting for investments?

5. What can an emergency fund help cover?

6. Which of these is an example of a financial goal related to lifestyle?

7. Which type of goal would buying a vacation home be considered?

8. What type of event is not usually funded through investments but through insurance or emergency funds?

9. How can one protect against negative life events like theft or fire?

10. Who should ultimately decide which goals are most important?

11. Why is assigning a timeline to a financial goal important?

12. What would be an example of a long-term financial goal?

13. A grand vacation is an example of a:

14. What kind of financial goal is retirement planning considered?

15. Which of the following is NOT a financial goal mentioned in the text?

16. What role does a financial advisor play in goal setting?

17. What should be done after identifying life events during goal setting?

18. What do financial goals help bridge the gap between?

19. Which of the following is a potential positive financial goal?

20. In terms of goal setting, a house purchase would require what key pieces of information?

21. What does a timeline for a financial goal determine?

22. What type of life event would hospitalization fall under?

23. Which of the following is an undesirable event that can lead to financial hardship?

24. Which financial product can help fund negative life events?

25. How can someone manage financial risks related to negative events like accidents?

26. What is the main reason people struggle with finances, according to the text?

27. What financial planning principle is associated with Stephen Covey’s time management matrix?

28. What is the impact of inflation on financial goals like Shalini’s higher education?

29. What is the “pool approach” in financial planning?

30. What is the expected cost of Shalini’s education in 10 years, assuming 8% inflation per annum? cost of her higher education is Rs. 50

31. What is the effect of inflation on immediate and nearterm goals?

32. In financial planning, what is a tradeoff between risk and return?

33. What should precede investing, according to the text?

34. What are the three most important factors to evaluate investments?

35. What is a factor impacting real estate investment performance?

36. What does the term “liquidity” refer to in investment?

37. Which of the following is a characteristic of real estate as an asset class?

38. What is an example of a commodity that can be used as an investment?

39. Why is gold considered a safe haven asset?

40. What is a key disadvantage of commodities as investments?

41. What is the difference between “saving” and “investing”?

42. What type of investment product has the highest level of safety?

43. What aspect of an investment affects how easily it can be liquidated?

44. In fixed income instruments, what does “current income” refer to?

45. What is a major risk when investing in bonds?

46. What is a trade-off when considering liquidity in investments?

47. Why is convenience an important factor in evaluating investments?

48. What is the main disadvantage of real estate investment?

49. What is a key benefit of tax deduction on investments?

50. What is the typical ticket size for investment in real estate?

51. What factor must be considered along with returns when evaluating an investment?

52. What is an advantage of investing in fixed income products like bonds?

53. Which asset class is most affected by location?

54. How does inflation affect long-term financial goals?

55. What does equity represent in a business?

56. Which of the following is not a feature of commodities investment?

57. When someone buys shares in a company, what do they become?

58. Historically, equity investing has generated returns in excess of what?

59. What has been the approximate annual compounded growth rate of Sensex since 1979?

60. What are the two forms in which equity owners may receive returns?

61. Which of the following is NOT a feature of equity investing?

62. Which asset class can be bought both in financial and physical form?

63. What distinguishes real estate and commodities from equity and bonds?

64. When a company shares profits with its shareholders, what is this called?

65. Which of the following does NOT generate intermittent cash flow?

66. An investor in bonds is considered:

67. What is the key difference between ownership assets and lending assets?

68. What additional risk is involved when investing in international assets?

69. Which of the following is classified as an equity investment?

70. What is an example of a hybrid asset class?

71. Which type of asset class does “Gold Funds” fall under?

72. What is a characteristic of fixed-income investments?

73. What is the benchmark index of BSE that represents large-sized companies?

74. What is an advantage of equity over other asset classes for long-term investments?

75. Which of the following is NOT classified as a fixed-income investment?

76. What kind of mutual fund would be classified under the “Real Estate/Infrastructure” asset class?

77. Which asset category does “rare stamps” belong to?

78. What does ownership of real estate provide besides capital appreciation?

79. Which is an example of a financial real estate asset?

80. What is the main risk associated with international asset investment?

81. In which form can commodities be bought?

82. Which of the following is considered a lending asset?

83. What is the main reason for price fluctuations in equity shares?

84. What kind of asset is gold considered if bought for personal use?

85. What happens to share prices over long periods if the company’s profits grow?

86. What does inflation risk refer to?

87. If inflation is 8% p.a., how much would Rs. 10,000 today be worth after 10 years?

88. To maintain purchasing power, investment returns should be:

89. What is the term for investment returns that are not adjusted for inflation?

90. What happens if your investment returns are lower than inflation?

91. Liquidity risk refers to:

92. Which investment option typically has low liquidity?

93. In case of premature withdrawal of a fixed deposit, what is likely to happen?

94. Which of the following is an example of low-liquidity investment?

95. What is credit risk?

96. Which type of borrower poses the highest credit risk?

97. What type of bond usually offers the lowest interest rates?

98. Which of the following is NOT a type of risk discussed?

99. Which risk can be reduced by diversifying investments across different securities?

100. What is the relationship between interest rates and bond prices?