Products & Their RisksQuestion 149 of 398

Reinvestment risk is greatest for an investor who:

a.Holds a zero-coupon Treasury STRIP to maturity
b.Receives regular coupon payments during a period of falling interest rates
c.Buys a stock that pays no dividend
d.Holds cash in a checking account

Explanation

Reinvestment risk is the danger that interest or principal received will have to be reinvested at a lower rate than the original investment. It is greatest for coupon-paying bonds when rates are falling, because each coupon must be reinvested at the new lower rate. Zero-coupon bonds like STRIPS have no interim payments to reinvest, so they avoid reinvestment risk if held to maturity.

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