Savvy Savers – Benefits of Interest-Bearing Accounts

Students calculate compound interest to identify benefits of saving in interest-bearing accounts. They learn the “rule of 72” and apply it to both investments and debt. They learn that there is a relationship between the level of risk for an investment and the potential reward or return on that investment.

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Saving & Investing – Making Choices

Introduce the advantages and disadvantages of common savings and investment vehicles, and show the short and long term effects of various savings and investment choices. Teaching Objectives: List and prioritize some of your short- and long-term budget goals List and explain some of the advantages of saving money Understand the concept of “pay yourself first” … Continue reading Saving & Investing – Making Choices

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How Money Grows Through Saving and Investing

This lesson introduces students to the basics of how money grows through saving and investing. Teaching Objectives: Consider alternative ways to help money grow through savings. Apply simple math concepts to determine the future value of money. Introduce students to the concept of investment risk. Suggested Grade Level 3rd Grade – 6th Grade Lesson Excerpt: … Continue reading How Money Grows Through Saving and Investing

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Spending Plans

Students learn about making spending plans and the importance of saving. Teaching Objectives: Identify categories for spending plans. Recognize the importance of saving some money for future needs. Suggested Grade Level Pre-K – 2nd Grade Lesson Excerpt: Preschool-aged children are capable of learning simple spending plans. Early training in categorizing money establishes patterns for future … Continue reading Spending Plans

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Longevity and Retirement

Students learn about the different needs of individuals as it relates to saving for retirement. Teaching Objectives: Examine the investment needs of different individuals and make recommendations for their retirement strategies.  Evaluate longevity and life-span statistics to predict the numbers of years they will live in retirement and expected income needs. Standard 6: The student … Continue reading Longevity and Retirement

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Planning for Your Retirement

Students learn about saving for retirement. Teaching Objectives: Identify and evaluate different retirement options. Explain the different types of risk associated with long-term planning. Apply the different types of risk to the various investment products, such as stocks, bonds, mutual funds, etc. Standard 6: The student will explain and evaluate the importance of planning for … Continue reading Planning for Your Retirement

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Time is Money – Saving and Investing Options

Students will learn about how different investment strategies varies by individual needs. Teaching Objectives: Determine how various saving and investment strategies vary with individual needs and circumstances.  Evaluate the impact of inflation on future earnings,saving, and investments.  Identify the different types of saving and investment products required to meet their financial goals. Standard 5: The … Continue reading Time is Money – Saving and Investing Options

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Saving and Investing Tools

Students will learn about different ways to save and invest. Teaching Objectives: Examine different savings and investment products available. Compare the costs (risk) and benefits (rate of return) of different savings and investment products and strategies. Standard 5: The student will analyze the costs and benefits of saving and investing. Suggested Grade Level 6th – … Continue reading Saving and Investing Tools

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The Rule of 72 – Simple and Compounded Interest

Students will learn about simple and compounded interest and the rule of 72. Teaching Objectives: Compare simple and compounded interest. Calculate simple and compounded interest. Apply the Rule of 72 to determine how much time is needed for savings/investments to double. Standard 5: The student will analyze the costs and benefits of saving and investing. … Continue reading The Rule of 72 – Simple and Compounded Interest

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Saving and Investing: Getting Started

Students will learn the reasons for saving money. Teaching Objectives:  Identify the reasons people save and invest.  Weigh the costs and benefits of saving and investing.  Explain the difference between saving and investing. Standard 5: The student will analyze the costs and benefits of saving and investing. Suggested Grade Level 6th – 12th Grade Lesson … Continue reading Saving and Investing: Getting Started

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