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Question: 1) What are the important factors that should he considered by tertiary sector employees when they are deciding whether to place their superannuation contributions in the Defined Benefit Plan or the Insesimeni Choice Plan.' What issues relating to the concept of the time %Aim of money mws be important in this decision-nuking process?.

2) "If the efficient-market hypothesis is true. the pension fund manager might as well select a portfolio with a pin " Explain why this is not the case.

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