1. keogh and IRA plans allow people to do all of the following except:

A. save money each year for retirement
B. withdraw money from their accounts at the end of every year without penalty
C. establish their own pension plans
D. defer taxation of the internet they earn on their accounts

2. Relative to a stock, a bond provides
A. higher dividend
B. lower dividend
C. higher level of risk
D. lower level of risk

I think the answer for number 1 is D and two is A.

I disagree with both your answers.

Read this site for number 1.

http://www.bankrate.com/finance/money-guides/irs-rules-for-early-ira-withdrawals-1.aspx

Your book may have A. as the correct answer, but that has changed in the last couple of years. Most bonds, though, still have a lower level of risk.