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12) A risk-free investment offers 4 percent return. The overall market offers 7

ID: 2709758 • Letter: 1

Question

12) A risk-free investment offers 4 percent return. The overall market offers 7 percent in addition to the risk-free rate of 4 percent. What is this 7 percent of additional return called?

Required return

Real return

Average return

Market risk premium

13) PMI insurance is required when ______________.

Your down payment does not reach 20% of the entire value of the house.

Your house is financed on 30-year FRMs.

Your house is financed on 15-year ARMs.

Your monthly payment goes over 30% of your gross income.

A.

Required return

B.

Real return

C.

Average return

D.

Market risk premium

Explanation / Answer

12= Market risk premium

13= Your down payment does not reach 20% of the entire value of the house.