Invest Ed® STARS
Spring 2017 Pre-project Student Survey
Select your teacher  (This is a required field)
Enter your Student ID No.  (This is required if you want to compare the results of this survey with your post-project survey)
What grade are you in? 
Please read each question carefully. Select the answer that best describes you. Answer as honestly as possible. 
Disagree Somewhat
Agree Strongly
I think about my financial future often.
I can explain what a stock is.
I would research a company before buying its stock.
Before I buy something, I stop to consider whether it is something I need or something I want.
I am confident I can explain what a stock portfolio is.
I understand how compound interest can affect my financial future.
I understand the concept of securities fraud.
I am too young to be thinking about planning for retirement.
I can explain how the stock market functions.
I believe securities fraud is not something that affects high school students.
I know the process for investing in stocks.
Indicate the answer that is the best response to the following questions. If you do not know the answer, select “I don’t know.” 
If you buy a share of a company’s stock, you:
a. own part of that company.
b. are responsible for the company’s debts.
c. loaned money to the company.
d. can expect the company to return your original investment to you with interest.
e. I don’t know.
An investor is presented with an investment opportunity that sounds “too good to be true.” Which agency should the investor contact to check out the company offering the opportunity?
a. the local police department
b. Oklahoma Department of Securities
c. Department of Homeland Security
d. Better Business Bureau
e. I don’t know.
Monique owns stock in an airline, a clothing company, and a food market. This is called:
a. amortizing.
b. diversifying.
c. compounding.
d. configuring.
e. I don’t know.
When a market is generally going up in value, it is referred to as a/an ________ market.
a. bull
b. donkey
c. bear
d. elephant
e. I don’t know.
Over the past 70 years, the type of investment that has earned the most money, or the highest rate of return, for investors has been:
a. stocks.
b. treasury bills.
c. savings accounts.
d. gold.
e. I don’t know.
You want to start saving for retirement, and you want to maximize your return over the next 20 years. Which of the following is the best plan for this long term goal?
a. Play the lottery every week.
b. Create a diversified portfolio.
c. Trade stocks frequently (i.e., “buy low/sell high”).
d. Invest in a certificate of deposit (CD).
e. I don’t know.
Juan took a risk assessment and found out that he is a “low risk taker.” This means that he is conservative in his selection of stocks. In which of the following should he invest?
a. growth stocks
b. value stocks
c. an Internet company
d. a popular new company
e. I don’t know.
Sophia has $1,000. She will earn 8% interest compounded annually. How much money will she have in two years?
a. $1,016
b. $1,080
c. $1,166
d. $1,800
e. I don’t know.
Instead of bringing a lunch from home (at a cost of $2), you went out to eat with your friends at a local restaurant. Your meal cost $10. What is the opportunity cost of your choice?
a. $10
b. $8
c. $12
d. $0 – There is no opportunity.
e. I don’t know.
Which of the following is true about the risks and rewards associated with investing?
a. Risky assets on average do not earn a risk premium.
b. There is usually a reward for bearing risk.
c. On average, the greater the risk, the lower the reward.
d. When comparing the common stock of two firms, the riskier one will have the lower price.
e. I don’t know.
Generally, the risk of an investment will ________ as the length of time ________.
a. grow; decreases
b. decrease; increases
c. disappear; shortens
d. lessen; shortens
e. I don’t know.
Maria wants to have $100,000 in 20 years. The sooner she starts to save, the less dollars she’ll need to contribute to her savings because:
a. the stock market will go up.
b. the interest rates will go up.
c. the interest on her savings will compound.
d. her savings will pay dividends.
e. I don’t know.