BUSI 352 Week 6 Discussion Board Forum 3 Replies Example

Reviewed by Thomas Kerrigan, MBA, CPA · Liberty University · Updated

This BUSI 352 Week 6 sample offers two replies to classmates' Forum 3 threads on investment planning. The first supports a classmate's recommendation of target-date funds for workers who do not want to manage investments, adding a study of Danish savers that found most people are passive and that automatic contributions raised total saving far more than tax incentives did. The second reply addresses a classmate's plan to keep losing stocks until they recover, using the classic study of brokerage accounts that found investors sold winners too early and held losers too long, at a cost. Each reply adds a verse that fits its point. Thirty points ride on these investment replies in Liberty University BUSI 352, a financial planning course listed in the BS in Business Administration catalog.

CourseBUSI 352 Financial Planning (BUSI352)
Module/Week6
AssignmentDiscussion Board Forum 3 Replies
Paper typeTwo discussion replies
Lengthabout 385 words (thread and replies). Course guide: replies of 200 words to 2 classmates' Forum 3 threads, each with at least 1 citation from a current academic journal, in current APA format
FormatAPA 7 citations and reference list
Points30
SchoolLiberty University Online
ProgramBS in Business Administration
Where it sitsModule/Week 6 in Liberty's published BUSI 352 course guide; current sections can differ
UpdatedOctober 2026

Free sample paper for BUSI 352 Week 6

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Discussion Board Forum 3 Replies: Investment Planning

BUSI 352 Financial Planning, Discussion Board Forum 3 Replies

Thread by [Student Name]

The two classmates and their threads are composites; the textbook, research and Scripture cited are real.

Reply to Lauren

Why this part earns its pointsThe first reply supports the classmate's recommendation with evidence on why defaults matter.
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Lauren, your thread recommended target-date funds for workers who do not want to manage their own investments, and this module/week's retirement chapter in Dalton et al. (2016) supports that kind of simple, age-based allocation for many clients, because the fund shifts gradually from stocks toward bonds as retirement approaches without the worker having to act.

Evidence on how people actually save strengthens your point. Chetty et al. (2014) studied millions of Danish workers and found that most were passive savers who did not respond to changes in tax incentives. Automatic contributions through employers, however, raised total saving substantially, because passive savers simply kept what was set for them. If most workers are passive, a well-designed default fund such as a target-date fund matters more than any investment lecture. The study found only a minority of workers actively responded to incentives, and they were the ones already most financially engaged.

Proverbs promises that careful, diligent planning leads to plenty (English Standard Version Bible, 2001/2016, Proverbs 21:5). A good default lets even a busy worker follow a diligent plan without having to become an expert first. Should employers set default contribution rates higher than the common 3 percent?

Reply to Jordan

Why this part earns its pointsThe second reply challenges a common investing habit with evidence on what it costs.
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Jordan, your thread said you would hold any losing stock until it returns to the price you paid, and I understand the instinct, since selling feels like admitting a mistake. Dalton et al. (2016) emphasize evaluating investments by their future prospects, not their past prices.

Odean (1998) examined thousands of brokerage accounts and found that investors were much more likely to sell stocks that had gained than stocks that had lost. The stocks they sold later did better than the ones they held on to, and holding losers also gave up tax deductions for realized losses. The purchase price felt meaningful to investors, but the market ignores it. Holding a loser in hope of breaking even is a bet that the stock will now do better than the alternatives, and the study suggests that bet usually loses.

Proverbs warns that pride goes before destruction (English Standard Version Bible, 2001/2016, Proverbs 16:18), and refusing to admit a mistake can be a form of pride. Would you consider asking a simple test question each quarter: if you did not own this stock, would you buy it today at its current price?

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References

Chetty, R., Friedman, J. N., Leth-Petersen, S., Nielsen, T. H., & Olsen, T. (2014). Active vs. passive decisions and crowd-out in retirement savings accounts: Evidence from Denmark. The Quarterly Journal of Economics, 129(3), 1141-1219. https://doi.org/10.1093/qje/qju013

Dalton, M. A., Dalton, J. F., Gillice, J. M., & Langdon, T. P. (2016). Fundamentals of financial planning (5th ed.). Money Education.

English Standard Version Bible. (2016). Crossway. (Original work published 2001)

Odean, T. (1998). Are investors reluctant to realize their losses? The Journal of Finance, 53(5), 1775-1798. https://doi.org/10.1111/0022-1082.00072

What the BUSI 352 Week 6 instructions ask

The Forum 3 threads posted in Module/Week 5, after Dalton et al.'s chapter on investment planning, receive replies in Module/Week 6, which assigns chapter 15 on retirement planning, a presentation and Quiz 6. Both replies should land near 200 words, and each needs at least one recent journal article behind it, cited in APA style. Together the two replies earn 30 points. The retirement chapter connects directly to the investment threads, since most households invest through retirement plans, so a reply can bring this module/week's reading to bear on what classmates wrote about investing a week earlier.

How this BUSI 352 Week 6 example is built

Each reply is compact and makes a single research-based contribution. The first takes a classmate's target-date recommendation and shows, through a large study of savers, why defaults and automatic contributions matter so much, linking it to the retirement chapter. The second gently challenges a classmate's plan to wait for losing stocks to recover by describing the disposition effect and what it cost investors in the original study. Each reply names the classmate's point, cites one journal article accurately, connects it to Dalton et al., includes a verse that fits and closes with a question. Both stay near 200 words. The replies use plain language and define terms such as projection bias when they appear.

BUSI 352 Week 6 grading rubric: where the points go

The grader reads each investment reply for whether it adds something to the classmate's portfolio reasoning, uses the chapter's terms such as diversification and asset allocation correctly, stays close to 200 words and supports its point with a recent journal article. Behavioral research is especially useful in an investment forum, because it explains why investors deviate from the textbook's advice. A reply that respectfully corrects a common investing mistake, with evidence, adds more than agreement. Biblical knowledge is part of every BUSI 352 forum, so a fitting verse strengthens a reply. Each reply is evaluated separately, and both must have their own journal citation. Replies that misstate a study's finding, even slightly, lose credibility with a reader who knows the research.

BUSI 352 Week 6 help: mistakes that cost points

Look for a classmate's recommendation that research either supports strongly or calls into question. Behavioral finance studies on defaults, trading and the disposition effect are good candidates and are easy to find in finance journals through the Jerry Falwell Library. Summarize the finding in a sentence and connect it to the classmate's example. Link it to Dalton et al.'s retirement or investment chapters. Choose a verse that fits the behavior in question, such as patience or humility. End with a question. Keep each reply near 200 words and give each article a full APA reference. Retirement and investment topics invite personal stories; a brief one can help, as long as the cited research carries the argument.

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BUSI 352 Week 6 questions, answered

What are the BUSI 352 Forum 3 replies?

Two answers of about 200 words to classmates' posts on investing, 30 points altogether in Module/Week 6, each grounded in a recent article from a finance journal. The retirement chapter informs them.

Where can I find a free BUSI 352 Week 6 sample paper?

See below for a complete BUSI 352 Week 6 pair of replies on target-date funds and defaults and on holding losing stocks, each citing a journal study.

What is the disposition effect?

The tendency of investors to sell investments that have gained value too soon and hold investments that have lost value too long, which research links to lower returns and higher taxes.

Do automatic retirement contributions increase saving?

A large study of Danish savers found automatic employer contributions raised total saving substantially, while tax subsidies mostly shifted saving between accounts. Defaults drove most of that effect.

What else is due in BUSI 352 Module/Week 6?

Quiz 6 is due with the replies, after chapter 15 of Dalton et al. on retirement planning and one presentation. Students also read the retirement chapter.

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