Financial CME #4: Test Your Knowledge

October 3rd, 2018
30

This is the fourth of a recurring series of quizzes to test your knowledge on physician personal finance and investing topics. Some people learn best by reading textbooks. Others like listening to lectures in a course format. This series of quizzes is designed for the physician or other high-income professional who learns best by doing questions.

Each quiz will have ten or so questions. To see the answer, click the “Show Answer” button under each question.

No actual CME can be earned with these quizzes, but hopefully you’ll learn something by answering the questions and reading the explanations. Good luck!

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The correct answer is D. In order to contribute to an HSA, you must be enrolled in a high-deductible health insurance plan. This means that individuals with high recurring medical costs might prefer to enroll in a traditional health insurance plan and forgo the ability to make HSA contributions. HSAs can be funded outside of payroll deduction, although you will not generally have to pay FICA taxes (Social Security / Medicare) on HSA contributions made through payroll deductions. HSA money can be spent at any time, even if you are not currently enrolled in a high-deductible health plan. HSA money can be withdrawn after the age of 65 without penalty, but this money will be taxed as ordinary income if it is not used for eligible medical expenses.

Related Post: Health Savings Accounts (HSA): The Basics

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The correct answer is B. The largest items in most physician’s budgets are home, car, and food (usually in that order). Since these three items can constitute 50% or more of a physician’s budget, it would be wise to look at these three budget line items very carefully.

Of course, for many young physicians, student loan payments may be even larger than their rent or mortgage payment.

Related Post: Do You Really Need To Cut The Starbucks Latte?

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The correct answer is C. According to the CDC life tables published in 2013, the life expectancy of a 65-year-old is 19.3 years (17.9 years for males and 20.5 years for females).

Related Post: YOLO: Financial Independence and the CDC Life Tables

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The correct answer is A. Money saved and invested early in your career will have more years to grow than money saved and invested later in your career.

Related Post: To Win the Savings Race, Don’t Pace Yourself

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The correct answer is D. International stocks compose 50% of the global economy, so an investor seeking diversification outside of U.S. stocks would be wise to allocate at least some money to international stocks. This is in spite of the fact that international stocks have had lower returns over the past decade and generally have higher volatility compared to U.S. stocks and are less tax-efficient.

Related Post: What Should Be Your International Stock Allocation?

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The correct answer is B. Total stock market index funds, such as VTSAX at Vanguard or FSTVX at Fidelity, invest in the total U.S. stock market, which includes large-cap, mid-cap, and small-cap stocks. They do not invest in international stocks. Unlike S&P 500 index funds, total stock market index funds often do not all track the exact same index. Over the past 15 years, total stock market index funds have outperformed the S&P 500; this is likely because it holds mid-cap and small-cap stocks, which generally have higher volatility and higher returns than large-cap stocks.

Related Post: Should You Invest in the S&P 500 or the Total Stock Market?

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The correct answer is B. Using historical data, the Trinity University researchers found that if you withdrew 4% of your starting retirement nest egg (invested in a 50/50 stock/bond portfolio) each year, your money would last 30 years greater than 95% of the time. This study is the basis for the common rule of thumb of aiming to save 25x your expected retirement spending.

Related Post: The Trinity University Study And The 4% Safe Withdrawal Rate (SWR)

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The correct answer is C. Using the future value function available in common spreadsheet applications, you can do simple investment projections. For this case, the answer is =FV(6%, 30, -60,000, -100,000, 0) = $5,317,840.

Related Post: Financial Calculations with the Future Value (FV) Spreadsheet Function

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The correct answer is D. To minimize taxes from portfolio rebalancing, it is best to rebalance your portfolio by adding money to underweighted asset classes. For example, if you desire an 80/20 stock/bond asset allocation and your portfolio is currently 85/15 stocks/bonds, then you should take the money saved from your next paycheck and buy bonds. Selling shares that have risen and buying shares that have fallen will also rebalance your portfolio, but may lead to a taxable event. It is not necessary to sell all your shares and buy them back in the appropriate percentages to rebalance your portfolio.

Related Post: Portfolio Rebalancing: Why, When, and How

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The correct answer is C. The individuals who are in most need of life insurance are those who have people (e.g. spouse, children) who need the individual’s current and future income. Of the listed answer choices, the married resident physician with a stay-at-home spouse and two children is the individual who would most need life insurance.

A single resident physician with no children does not have anyone who depends on their current or future income. A married attending physician with a working spouse and no children also does not have anyone who depends on the physician’s income – if the physician were to die, the working spouse would likely be able to live on his or her own income. If you are financially independent, then your dependents could likely live off of your retirement savings if you were to die unexpectedly.

This is not to say that the individuals in choices A, B, D, do not need life insurance, but to emphasize the primary considerations when deciding whether or not to buy life insurance.

Related Post: Introduction to Life Insurance For Physicians

What do you think? How’d you do on the quiz?

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