请问题目中知识点是哪部分？

问题如下：

Which of the following is most likely considered investable wealth for an individual?

选项：

Checking account used for day-to-day expenses

Savings account representing funds not needed for day-to-day needs

Defined benefit pension plan participation with payments only after reaching age 60

解释：

The correct answer is B. The savings account can be used for investments, espedally if the checking account is sufficient to meet ordinary expenses. A is incorrect because this is a transactions account and may not be considered investable. C is incorrect because the individual does not make the investment decisions until payments begin, and the individual may then invest the payments once living expenses are covered