n NISM Certifications
X NISM Series X
Medium

Growth-oriented investments are most suitable during the accumulation stage of retirement savings because, in this phase, individuals have a long-term horizon and potentially increasing income streams, allowing them to undertake higher-risk, higher-return investments such as equities which are more volatile but offer higher capital gains.

Practice question from NISM Series XB- Investment Adviser (Level 2) Mock Test 2 — bank. The correct answer is highlighted below with a full explanation.

Options

  1. A

    Distribution stage

  2. B

    Income stage

  3. Accumulation stage

    Correct answer

  4. D

    Investment stage

Why this is the answer

The accumulation phase involves building wealth over a long period, making it appropriate for high-risk, high-return investments like equities, which are suitable when the investor has time to withstand market fluctuations.

Test yourself for real

Take a full NISM Series X mock test.

Same duration, same weighting, same difficulty distribution as the real exam — with explanations on every question.