Which of the following is NOT listed as an example of investments?

• A. Savings accounts
• B. Certificates of deposit
• C. U.S. Treasury securities
• D. Ordinary checking account

Answer: (D)

The main idea here is distinguishing between assets kept to grow or preserve wealth and those used for everyday money management. Investments are assets you expect to earn a return or appreciate over time. Savings accounts, certificates of deposit, and U.S. Treasury securities all fit that role—they provide interest or potential growth and are typically held to build wealth or preserve capital.

An ordinary checking account, on the other hand, is a transaction account designed for daily spending and deposits. It offers high liquidity and easy access to funds, but it’s not intended to generate growth, and it usually earns little to no interest. That makes it not an investment.