Stocks, Bonds, or Broke? – Test Your Investment IQ

Think you know how to grow your money? Let’s see if you’re an investing pro—or if your portfolio needs a glow-up.

Instructions: Pick the answer that sounds most like you. Tally your points and check your investment IQ at the end!

1. When you hear the word “invest,” what’s the first thing you think of?

A. Building wealth and watching money grow over time. (5 points)

B. Putting money in something and hoping for the best. (3 points)

C. Scams, stress, and stock market crashes. (1 point)

2. Do you currently have money invested?

A. Yes—in stocks, retirement accounts, or index funds. (5 points)

B. I’ve used apps like Acorns or Robinhood a little. (3 points)

C. No, I don’t trust the market or don’t know where to start. (1 point)

3. What’s the difference between a stock and a bond?

A. Stocks give ownership in a company. Bonds are loans to a company or government. (5 points)

B. Stocks are riskier, bonds are safer—but I’m fuzzy on the details. (3 points)

C. No clue, but I know rich people have both. (1 point)

4. When the market dips, you…

A. Stay calm—it’s part of the game. I focus on long-term growth. (5 points)

B. Get a little nervous but try not to touch anything. (3 points)

C. Panic and pull out—or avoid investing altogether. (1 point)

5. What’s a diversified portfolio?

A. A mix of investments across different assets to manage risk. (5 points)

B. Having multiple stocks in different companies. (3 points)

C. Uhh… having two savings accounts? (1 point)

6. How long is your investment timeline?

A. 10+ years—I’m in it for long-term gains. (5 points)

B. A few years—I want growth but not forever. (3 points)

C. I’m not sure. I just want money now. (1 point)

7. What’s your investing style?

A. I’m strategic—I research, plan, and think long-term. (5 points)

B. I invest occasionally or copy what others are doing. (3 points)

C. I haven’t started investing yet—it feels too risky or confusing. (1 point)

SCORE BREAKDOWN

30–35 Points: Investment Insider

You know your stuff! Whether you're building a portfolio or managing a retirement fund, you’re making smart money moves. Keep educating yourself and help others level up, too.

21–29 Points: Money Mover in Training

You’re on your way. You’ve got some knowledge and maybe a few investments under your belt. It’s time to go deeper, diversify, and start thinking long-term to build true wealth.

13–20 Points: Financial Floater

You're dabbling, but not diving. You may be curious, but confusion or fear might be holding you back. Get clear, get confident, and start learning how to make your money grow.

Below 13 Points: Broke Mindset Alert

Don’t worry—this is your wake-up call. You might be avoiding investing, but the longer you wait, the harder it becomes. The good news? You can start with $10 and a little knowledge. Let’s get it!