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Investing basics Investing 201
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Investing basics Investing 201
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i_spacer.gif i_spacer.gif i_l3_diamond.gif Beginner's guide i_spacer.gif i_spacer.gif i_spacer.gif
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i_spacer.gif i_spacer.gif i_l3_diamond.gif Mutual fund advantages i_spacer.gif i_spacer.gif i_spacer.gif
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i_spacer.gif i_spacer.gif i_l3_diamond.gif Asset allocation quiz i_spacer.gif i_spacer.gif i_spacer.gif
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i_spacer.gif i_spacer.gif Assess your savings i_spacer.gif i_spacer.gif i_spacer.gif
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i_spacer.gif i_spacer.gif Create a budget i_spacer.gif i_spacer.gif i_spacer.gif
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i_spacer.gif i_spacer.gif i_spacer.gif i_spacer.gif i_spacer.gif Spending quiz i_spacer.gif i_spacer.gif i_spacer.gif
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i_spacer.gif i_spacer.gif i_spacer.gif Cash-flow analysis i_spacer.gif i_spacer.gif i_spacer.gif
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i_spacer.gif i_spacer.gif i_spacer.gif Reduce expenses, save more i_spacer.gif i_spacer.gif i_spacer.gif
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i_spacer.gif i_spacer.gif i_l3_diamond.gif Understanding risk tolerance i_spacer.gif i_spacer.gif i_spacer.gif
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i_spacer.gif i_spacer.gif Monitor your portfolio i_spacer.gif i_spacer.gif i_spacer.gif
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i_spacer.gif i_spacer.gif i_l3_diamond.gif Ask before selling i_spacer.gif i_spacer.gif i_spacer.gif
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i_spacer.gif i_spacer.gif i_l3_diamond.gif Turbulent times i_spacer.gif i_spacer.gif i_spacer.gif
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i_spacer.gif i_spacer.gif i_l3_diamond.gif Cost of waiting i_spacer.gif i_spacer.gif i_spacer.gif

Create a budget


Spending quiz

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Choose the answer you identify with most.

1. Do you bring your lunch to work every day or do you buy it?
I frequently bring my lunch to work. 5 points
I try to bring my lunch. If I don't, it doesn't bother me to buy from the cafeteria or order take-out. 3 points
I don't bring my lunch. I don't have time. Plus, I like to go out and eat with my co-workers. 1 point

 

2. How closely do you monitor your checking account?
I keep a watch of every check that I write and limit my visits to the ATM. 5 points
I try to keep my checkbook balanced, but I find myself needing to make frequent visits to the ATM, especially on weekends. 3 points
I don't know the first thing about balancing a checkbook. 1 point

 

3. Are you able to pay your bills on time?
Yes, I always try to pay off my credit card balance if I have enough money. 5 points
Yes, but I have too many to pay off all the balances. 3 points
I have so many bills to keep up with and sometimes I end up paying penalties. 1 point

 

4. How much do you pay yourself?
For every paycheck, I take out money for my investments, and I also save money each month on my own. I hope to increase my contributions and savings each year. 5 points
I contribute to my investments, but I've been contributing the same amount for years and it's not the maximum. I still can't afford to increase my contributions 3 points
Pay myself? I would if I had any money left after I pay everybody else. 1 point

 

5. Bonus! — I am contributing the maximum to my retirement account. I also have other investments and savings, to which I frequently contribute: IRAs, mutual funds, stocks, and bonds.
This sounds like me. 5 points
This doesn't sound like me. 0 points

This calculator is provided for educational purposes only and is not meant as investment advice. We suggest that you consult a financial professional to further discuss factors that are specific to you, including investment goals, specific timeframes, and risk tolerance in further developing your investment plan.

The interactive tools are intended for informational purposes only and are not intended to be legal, financial, or tax advice and should not replace the advice of your financial advisor.
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Any Macquarie Group entity or fund noted on this page is not an authorized deposit taking institution for the purposes of the Banking Act 1959 (Commonwealth of Australia) and that entity's obligations do not represent deposits or other liabilities of Macquarie Bank Limited ABN 46 008 583 542 (MBL). MBL does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.

Delaware Investments refers to Delaware Management Holdings, Inc. (DMHI) and its subsidiaries. Macquarie Group refers to Macquarie Group Limited (MGL) and its subsidiaries and affiliates worldwide. The Funds are distributed by Delaware Distributors, L.P., an affiliate of DMHI and MGL.


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