Social Security and Retirement Support Quiz

Test your knowledge on retirement planning with questions about Social Security, IRAs, pensions, and more. Prepare for a secure future!

#1

What is Social Security?

A retirement savings account
A federal insurance program
A type of social club
A charity organization
#2

In a defined contribution retirement plan, who bears the investment risk?

Employer
Employee
Government
Financial institution
#3

What does IRA stand for in the context of retirement savings?

Individual Retirement Account
International Retirement Association
Investment Regulation Authority
Income Reduction Account
#4

Which of the following is NOT a way to fund a retirement account?

Salary deferral
Employer match
Government subsidy
Individual contributions
#5

What is the purpose of a pension plan?

To provide a source of income during retirement
To invest in the stock market
To pay off debts
To purchase real estate
#6

What is the maximum number of Social Security credits you can earn in a year?

4
8
12
16
#7

At what age can you start collecting full Social Security retirement benefits in the United States?

62
65
67
70
#8

Which of the following is NOT a benefit provided by Social Security?

Retirement benefits
Disability benefits
Healthcare benefits
Survivor benefits
#9

Which of the following is NOT a characteristic of a defined benefit pension plan?

Guaranteed monthly benefit in retirement
Contributions based on employee's salary
Employer bears investment risk
Benefit amount depends on investment returns
#10

What is the penalty for early withdrawal from a 401(k) retirement account before the age of 59½ in the United States?

10%
15%
20%
25%
#11

What is the purpose of a 403(b) retirement plan?

For government employees
For employees of public schools and certain tax-exempt organizations
For employees of for-profit companies
For self-employed individuals
#12

Which of the following retirement plans is specifically designed for self-employed individuals or small business owners?

401(k) plan
403(b) plan
SEP IRA
Roth IRA
#13

What is the maximum number of credits you can earn per year toward Social Security eligibility in the United States?

4
8
12
16
#14

What is the Full Retirement Age (FRA) for Social Security benefits for individuals born in 1960 or later in the United States?

65
66
67
70
#15

At what age must individuals start taking Required Minimum Distributions (RMDs) from their traditional IRA accounts in the United States?

59½
65
70½
75
#16

In a Roth IRA, qualified distributions are tax-free. At what age can you make qualified distributions?

59½
65
70½
No age restriction
#17

What is the maximum annual contribution limit for traditional and Roth IRAs combined in the United States for individuals under the age of 50 in 2024?

$5,000
$6,000
$19,500
$26,000
#18

What is the maximum annual contribution limit for a 401(k) plan in the United States for individuals under the age of 50 in 2024?

$19,500
$26,000
$6,000
$5,000

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