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Saving ratio=
Annual income will include :
The annual savings rate, or the annual savings relative to income, has to be —- as income levels go up, so that the savings can be built to a level that is suitable to the age and stage in life.
Expense ratio=
Leverage ratio=
Higher the leverage, more —– it is for the individual’s financial situation.
Net worth=
Solvency ratio=
—- Measures how well the household is equipped to meet its expenses from its short-term assets.
Liquidity ratio =
Which of the following is not includedliquid assets?
Which of the following are financial asset?
Which among the following has highestliquidity?
Shares Rs. 5 lakhs, Fixed Deposits Rs. 10 lakhs, Mutual Fund Investments Rs. 12 lakhs, Land Rs. 9 lakhs and Gold Rs. 14 lakhs calculate financial ,physical asset and total asset?
Financial assets ratio=
A —— proportion of financial assets is preferred especially as goals are closer to realization and there is a need for income or funds to meet the goals.
______ measures the extent of debtusein asset acquisition.—— is an indicator of the individual’s ability to manage current obligations given the available income and a parameter used by lenders to determine eligibility for additional loans.
Debt to Income Ratio=
_______refers to all payments due to lenders, whether as principal or interest.
______ Is an agreement, entered into before marriage, which details how the finances (and any other matter) will be dealt with, in the event of a separation.
Loans taken to buy financial assets, called
Goal value =
Which of the following is a financial goal?
Mr. Khanna requires Rs.10 lakhs in six months time to pay his son’s admission fees. An appropriate investment to set aside money for his goal would be
Jaya needs Rs.5 lakhs urgently for an emergency medical procedure. Which investment is she most likely to tap?
A conservative investor wants to accumulate Rs.20 lakhs in 3 years time. What would be an appropriate investment option for him?
If objective is growth and appreciation of value than suitable investment is :
If objective is regular income than suitable investment is :
If objective is liquidity than suitable investment is :
If objective is capital preservation than suitable investment is :
When a need can be expressed in terms of the sum of money required and the time frame in which it would be needed, we call it a——-.
Essential component of financial goal:
Which of the following is an indication of in debtedness?
Asset allocation linked to financial goals is the most appropriate form of asset allocation strategy.
The personal financial situation of an individual or a household primarily refers to its ability to manage its current needs and expenses.
Savings is limited to money that is retained in the savings bank account.
The company’s contribution to provident fund or superannuation fund on account of the investor will form part of the savings during the year.
Solvency ratio+ leverage ratio=1
Contingency planning is the planning of funds done for some uncertain or unexpected events.
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