Which of the following are examples of financial products?

• A. Shares, bonds, mortgages, bills of exchange, and certificates of deposit
• B. Real estate, art, antiques
• C. Wages and salaries
• D. Natural resources

Answer: (A)

The main idea here is recognizing what counts as a financial product: instruments that represent claims to future cash flows or rights issued or traded within financial markets. The best choice lists a range of widely recognized financial instruments—shares (equities), bonds (debt securities), mortgages (loans secured by property), bills of exchange (short‑term debt instruments), and certificates of deposit (time deposits). These are all financial products because they involve financial claims, lending, borrowing, or investment opportunities provided by financial institutions or markets.

Non-financial assets like real estate, art, and antiques are tangible assets. Wages and salaries are income rather than a product you invest in or trade, and natural resources are physical commodities, not financial instruments.