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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 Quiz4

1. Mumbai has --- benches in Debt Recovery Tribunal

   a. 2
   b. 3
   c. 4
   d. 5

Ans. 3

2. Demat refers to

   a. process of converting physical shares certificates into an electronic form
   b. Once converted, the shares are held in a Demat account
   c. The shares will become interchangeable, identical and fungible assets after demat
   d. All the above

Ans. All the above

3. Warranties on electronic purchases are examples of ____.

   a. Cross selling
   b. Up selling
   c. Down selling
   d. Side selling

Ans. Up selling

4. The customer information is centralized and the functionality is provided across all products in _____.

   a. Horizontally organized model
   b. Vertically organized model
   c. Predominantly Horizontally organized model
   d. Predominantly Vertically organized model

Ans. Vertically organized model

5. What are the standard retail asset products offered by banks?

   a. Housing Loans
   b. Consumer Durable Loans
   c. Car Loans
   d. a, b and c

Ans. a, b and c

6. Retail Banking is a ……

   a. B2C approach
   b. B2B approach
   c. Either a or b
   d. Neither a not b

Ans. B2C approach

7. The basic information is available across products for common services in this organized process model

   a. Horizontally
   b. Vertically
   c. Predominantly Horizontally
   d. Predominantly Vertically

Ans. Predominantly Vertically

8. Discounting is used to determine

   a. The future value of present cash flows
   b. The present value of future cash flows
   c. Either a or b
   d. None of the above

Ans. The present value of future cash flows

9. Minimum amount due (MAD) is calculated at what % of the total current dues of the credit card.....

   a. 5
   b. 7
   c. 8
   d. 10

Ans. 5

10. In a simple registered mortgage the deed of mortgage is to be registered within …… months of its date of execution

   a. 1
   b. 3
   c. 6
   d. 4

Ans. 4

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