<?xml version="1.0" encoding="UTF-8"?><MainElement>	<Question answer="C" Value="1. Where did the term 401(k) come from? " > 		<Answers value="The total amount you can contribute to the plan ($401,000)"/>		<Answers value="The amount you can contribute annually to the plan ($401)"/>		<Answers value="The section of the IRS tax code that outlines this type of program"/>		<Answers value="The income cap for the plan eligibility ($401,000)"/>	</Question>	<Question answer="A" Value="2. You can contribute to both a 401(k) plan and an IRA in the same tax year.">		<Answers value="True, You can contribute to both a 401(k) plan and an IRA in the same tax year."/>		<Answers value="False, You can not contribute to both a 401(k) plan and an IRA in the same tax year."/>	</Question>	<Question answer="A" Value="3. Which one of the following is NOT a consequence of taking a cash distribution from a 401(k) plan before reaching retirement age?">		<Answers value="16% service charge paid to the employer"/>		<Answers value="Money is subject to 20% withholding"/>		<Answers value="Distribution is subject to federal taxes"/>		<Answers value="10% early withdrawal penalty if under age 59 1/2"/>	</Question>		<Question answer="B" Value="4. Investment experts generally cite which of the following as one of the biggest mistakes made by 401(k) plan participants ">		<Answers value="Building a diversified portfolio based on the individual&apos;s amount of time until retirement"/>		<Answers value="Investing too conservatively, that is, not including enough of their retirement assets in growth vehicles such as stock investments"/>		<Answers value="Investing too aggressively, that is, not including the majority of their retirement assets in stable value investments"/>		<Answers value="All of these are big mistakes"/>	</Question>	<Question answer="D" Value="5. When you change jobs, you can do the following with your 401(k) balance:">		<Answers value="Roll it over to an Individual Retirement Account (IRA)"/>		<Answers value="Leave it in your former employer&apos;s plan as long as the balance is more than $5,000"/>		<Answers value="Move it to your new employer&apos;s plan"/>		<Answers value="All of the above"/>	</Question>	<Question answer="A" Value="6. Who is ultimately responsible for making 401(k) investment decisions?">		<Answers value="The participant"/>		<Answers value="The employer"/>		<Answers value="The plan administrator"/>		<Answers value="The participant&apos;s immediate supervisor"/>	</Question>	<Question answer="B" Value="7. If you were to rank the investments below from most conservative to most aggressive, which of the following is the correct ranking">		<Answers value="Bond fund, Stable value fund, Growth fund, Company stock"/>		<Answers value="Stable value fund, Bond fund, Growth fund, Company stock"/>		<Answers value="Company stock, Growth fund, Bond fund, Stable value fund"/>		<Answers value="Bond fund, Growth fund, Stable value fund, Company stock"/>	</Question>	<Question answer="D" Value="8. Which one of the following is NOT a benefit of a 401(k) plan?">		<Answers value="Contributions reduce your taxable income"/>		<Answers value="Retirement savings grow tax-deferred"/>		<Answers value="Some employers match part of your contributions"/>		<Answers value="Penalty-free withdrawals are always allowed for educational expenses"/>	</Question>	<Question answer="A" Value="9. Generally, how much will you need each year to live comfortably in retirement?">		<Answers value="70% of your current annual income"/>		<Answers value="Three times your current annual income"/>		<Answers value="Your current annual income"/>		<Answers value="30% of your current annual income"/>	</Question>	<Question answer="E" Value="10. You should reallocate your investments">		<Answers value="When you receive your statement"/>		<Answers value="When your investment goals or time horizon have changed"/>		<Answers value="To keep your overall asset allocation balanced appropriately"/>		<Answers value="a and b"/>		<Answers value="b and c"/>	</Question></MainElement>
