1. Money secured from different financial institutions at an interest rate for a certain period of time

2. A form of loan that can be traded through Philippine Dealing and Exchange (PDEX) System.

3. When bonds are issued below the face or par value, they are said to be issued at _______ .

4. When bonds are issued above par, they are said to be issued at _________.

5. When bonds are issued equivalent to the face or par value, they are said to be issued or purchased at_________.

6. The amount of PHP500,000 that depositors may recover from PDIC in case of bank default/bankruptcy.

7. Riskiest of all assets but signifies ownership in a corporation and represents a claim on part of the corporation's assets and earnings”

8. “Money placed into a banking institution for safekeeping”

9. Type of investment that requires minimum maintaining amount depending on the type of deposits

10. The amount clients pay to the professionals who manage their mutual funds, normally a certain percentage of portfolio value.

11. What is a bond?

12. Which is TRUE of money market mutual funds?

13. Rational investors will seek efficient portfolios because these portfolios are optimal based on:

14. Most investors are assumed ____________________.

15. Who will decide on the declaration of dividends in a corporation?

16. What is the difference between shares and bonds?

17. Of the following four investments, which is considered the safest?

18.If you want to deposit money in a bank, which will be a wise choice?

19. Which of the following are considered the two fundamental types of risk?

20. The following are areas of consideration that will help you decide on your investment alternative, EXCEPT

21. Which are NOT considered as key participants in the investment process.

22. This risk refers to the movement of prices in the market as shaped by economic and non-economic factors.

23. It is a term that covers managing your money as well as saving and investing.

24. Saving money means giving up the opportunity cost to

25.Personal Finance is the process of planning your

26. In order to effectively manage money, you need a

27. A risk management technique that combines a wide variety of investments within a portfolio to reduce risk.

28. The chance of having an investment’s actual return will be different than expected.

29. A financial planning process where one uses surveys, questionnaires, and interviews to gather quantitative and qualitative information from the individual.

30. It involves analyzing current financial positions, projecting short-term and long-term funding needs, and executing a plan to fulfil those needs considering individual financial constraints.

31. The process of evaluating the financial plan regularly to see if it effectively meets the individual’s goals and objectives.

32. An investment that follow the high return and high risk principle.

33. Capital expenditure pertains to long-term investment except

34. To measure the period of recovery of the initial investment , an investor employs the_____________________

35. The amount and availability of funds affects the company's decisions in capital outlays , if the company has limited funds , budgeting of project follow the scheme_____________

36. This method of capital budgeting that considers the time value of money and all the cash flows during the life of the project including the terminal value.

37. This relates to the purchase of assets that are expected to generate a rate of return, with the hope that over time the individual will receive back more money than they originally invested.

38. The expenses listed below all reduce the amount of cash an individual has available for saving and investing EXCEPT

39.This refers to a source of cash inflow that an individual receives and then uses to support themselves and their family.

40. Why do different investors estimate inputs differently? Because _____

41. It is almost impossible for an investor not to be affected by non-systematic risk

42. The rate of return on an investment has no effect on a long-term investment program.

43. Objecting setting is quantifying monetary objectives with definite time frames.

44. To make the most of your income and savings it is important to become financial literate, pro-active, and smart

45. One simple habit for personal finance success is to spend less than what you earn.

46. Financial position helps in determining the time frame to which personal goals can realistically be met

47. The key to understanding return on investments is that the more you risk, the better the return should be

48. The best way to ensure that you either overcome debt or avoid it in the first place is to never spend more than you make.

49.bA portfolio is a risk management technique wherein an investor includes a wide variety of assets or investment products in his investment mix.

50. Risk is the chance that the actual return would be different from the expected return on an investment