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DSST Personal Finance — Information & Free Practice

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DSST Personal Finance

Provider
Prometric
Format
Multiple-choice examination; each question has one correct answer and three incorrect options. Remote ProProctor or authorized test-center delivery is subject to the applicable registration conditions.
Exam questions
Total questions: 100.
Time limit
2 hours
Passing score
ACE recommended minimum score: 400; the receiving institution determines credit acceptance.
Exam fee
$100 examination fee; additional testing-site administrative charges may apply.
Examination outline
  • Foundations of Personal Finance (6%)
    • Financial planning process
    • Budgeting
    • Cash management
  • Credit and Debt (15%)
    • Credit and debit cards
    • Installment loans
    • Interest calculations
    • Federal credit laws
    • Creditworthiness, credit scoring and reporting
    • Bankruptcy
  • Major Purchases (15%)
    • Auto, furniture, appliances
    • Housing
  • Taxes (15%)
    • Payroll
    • Income
    • IRS and audits
    • Estate and gift
    • Tax planning/estimating
    • Progressive vs regressive
    • Other Taxes
    • Tax Professionals
  • Insurance (15%)
    • Risk management
    • Life policies
    • Property and liability policies
    • Health, disability and long-term care policies
    • Specialty insurance
    • Insurance analysis and sources of information
  • Investments (21%)
    • Liquid Assets
    • Bonds
    • Equities
    • Mutual funds and Exchange Traded Funds (EFTs)
    • Other types of Investment
    • Sources of information
    • Time value of money
    • Asset/portfolio allocation
  • Retirement and Estate Planning (13%)
    • Terminology
    • Qualified retirement accounts
    • Social security benefits
    • Wills, trusts and estate planning
    • Tax-deferred annuities
Examination sources