sector ETFs.

commodity ETFs.

foreign currency ETFs.

market ETFs.

Management expense ratios

Diversification

Sector investment goals

Portfolio managers' performance

dollar cost averaging.

averaging your cost base down.

taking excessive risk to recover from a losing position.

purchasing stocks on sale.

final settlement.

deemed disposition.

disposal at death.

liquidation principle.

$380 000

$660 000

$384 000

$627 000

Investors nearing retirement age should invest in growth stock mutual funds.

Investors in the early life stage need easy access to funds, so they should invest in individual bonds.

Money market investments are the most appropriate investment for investors nearing retirement age.

Investors who have many years of work ahead of them may invest in stocks of smaller firms.

a relatively wide range of returns.

a low standard deviation.

a beta equal to one.

a beta much less than one.

guarantees the employee a specific monthly benefit at retirement.

uses the employees’ years of service to determine the monthly benefit.

has a benefit that depends on how much was contributed and how well the investments performed.

has a benefit specified by the federal government.

taken in cash as a taxable benefit or transferred to your RRSP.

left in your former employer's pension account.

transferred to your new employer, if it has an employer-sponsored pension plan that permits the transfer.

transferred to an individual locked-in retirement account (LIRA).

the total interest earned annually.

the percentage gain or loss on an investment over the time it was held.

the difference between the purchase price and the sale price of the investment, excluding any income received.

the gain or loss on an investment assuming it is held to maturity.