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Understanding ETFs Uses, Returns and Comparison with Mutual Funds and Stocks

 Exchange-Traded Funds (ETFs) have gained popularity among investors for their unique features and benefits. In this blog, we'll explore the uses of ETFs, their potential returns, how they differ from mutual funds and stock investments, and their safety profile. What is an ETF? An ETF is a type of investment fund that trades on stock exchanges, much like individual stocks. It holds a collection of assets, such as stocks, bonds, or commodities, and aims to track the performance of a specific index, sector, or asset class. Uses of ETFs Diversification : ETFs allow investors to gain exposure to a wide range of assets without having to purchase each individually. For instance, an ETF tracking the S&P 500 gives you exposure to 500 different stocks, reducing the risk associated with individual stock investments. Cost Efficiency : ETFs often have lower expense ratios compared to mutual funds. They typically pass on lower management costs to investors since they are often passively man
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Retail Banking Quiz3

1. Customer segment whose income level is between Rs.10 lacs
 to Rs.50 lacs is referred as

   a. Mass Affluent
   b. Super Affluent
   c. HNW
   d. None of these

Ans. Mass Affluent

2. As per Maslaw's theory, needs may be classified as

   a. Physical Needs and Safety Needs
   b. Social Needs and Esteem Needs
   c. Self Actualization Needs
   d. a and b and c

Ans. a and b and c

3. Home loans are sanctioned by banks for the purpose of

  a. Purchase of Flat
  b. Purhase of Land and construction
  c. Purchase of House with Land
  d. All of above

Ans. All of above

4. Marketing mix refers to

  a. Product & Price
  b. Promotion & Place
  c. People and Process
  d. All the above

Ans. All the above

5. Prepayment charges collected by branches are crtedited to which account

  a. Interest A/c
  b. Commission A/c
  c. Principle A/c
  d. Suspense A/c

Ans. Interest A/c

6. If Rs. 10000 is invested for 4 years at the interest of 12%. What will be future value
   Hint: FV=PV(1+r)^n

  a. 15700
  b. 16100
  c. 10800
  d. 14600

Ans. 15700

7. The export credit target for foreign banks in India is what % of ANBC

  a. 32 %
  b. 12 %
  c. 40 %
  d. 15 %

Ans. 12 %

8. PSBs are more ____ organized in the process model

  a. Horizontal
  b. Vertical
  c. a or b
  d. None of these

Ans. Horizontal

9. As per the factors of service quality – Empathy means

   a. Helping the customer
   b. extend prompt service
   c. understanding the service expectations from customers point of view
   d. all the above

Ans. understanding the service expectations from customers point of view

10. EMI can be Reset if loan has been taken as

    a. Fixed rate loan
    b. Floating rate loan
    c. Both A & B
    d. None of These

Ans. Floating rate loan

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