please solve it in 10 mins I will thumb you up

After graduation, you find a job and by the end of the year you save $7,000. You want to invest this money in some asset. Problem is, this is such a small amount of money that you cannot buy almost anything with it. Moreover, you have to spend so much time to search for a high-yield and low-risk asset. All these problems that you face go by the name of: Transactions costs Adverse selection Moral Hazard Free-rider problem Lemons