Teacher: Sharon Hogan

Subject: Personal Finance

Unit Plan: Saving and Investing

Key Learning: Students will learn why it is important to save and invest for the future, and how savings and investments made today will produce income for them in the future.
Unit Essential Question: What is meant by the saying, ‘Pay yourself first’? What types of savings accounts and investment tools are right for you?
Concept:
Choose to Save / Concept:
Savings Tools / Concept:
Fundamentals of Investing
Lesson Essential Questions:
How do we evaluate the value of saving money?
How can you evaluate the trade-offs and opportunity costs of saving money?
What is meant by the ‘pay yourself first’ strategy?
How do you summarize the ‘time value of money’ concept?
What are the benefits of compounding interest on savings? / Lesson Essential Questions:
What are the savings tools?
What are the characteristics of the various savings tools?
Which savings tools can be used to reach different financial goals? / Lesson Essential Questions:
What is the difference between saving and investing?
What is the relationship between risk and return?
What are the characteristics of the most common types of investments?
How do you reduce investment risk?
What are the differences between a full-service brokerage firm and a discount brokerage firm?
What is the value of tax-advantaged investments?
What are the most commonly used retirement plans and the characteristics that define each?
Choose to Save / Savings Tools / Fundamentals of Investing
Vocabulary:
Compound interest; consumption; do it yourself; emergency savings; interest; interest rate; liquidity; pay yourself first; principal; saving; savings; time value of money / Vocabulary:
Certificate of deposit; checking account; depository institution; liquidity; money market deposit account; savings account; savings tools; tiered interest rate / Vocabulary:
Bond; brokerage firm; capital gain; discount brokerage firm; dividend; financial advisor; full-service brokerage firm; index; index fund; inflation; inflation risk; investment; investment philosophy; investment risk; market price; maturity date; mutual fund; portfolio diversification; rate of return; rent; return; risk; speculative investments; stock; stockholder or shareholder; stock exchange; tax-advantaged investments
Date / Activity
Choose to Save
3/4/16 / Vocabulary list
My Saving Quest -worksheets
Choose to Save Note-taking Guide and PPt Presentation
Choose to Save Information Sheet
Take a Chance Tracking – small group activity – worksheets and drawing cards
The Roommates: Saving Script
3/7/16 / To Save or Not to Save Essay
QUIZ - Choose to Save
Savings Tools
3/8/16 / Vocabulary list
Savings Tools Note-taking Guide and PPt Presentation
Savings Tools Information Sheet
Four of a Kind – concentration game for small groups
Skip / Savings Tools Presentation – small group presentation/rubric
Which savings tool would you use? - class discussion
3/8/16 / QUIZ – Savings Tools
Skip / Letter to Jane
Fundamentals of Investing
3/9/16 / Vocabulary list
Life Event Activity Cards – small groups
Fundamentals of Investing Note-taking Guide and PPt Presentation
Fundamentals of Investing Information Sheet
Risk vs Return Chart – worksheet/dice
Savings vs Investing Characteristics Cards
Investment Tools Cards
Skip / Saving and Investing Interview
3/10/16 / QUIZ – Fundamentals of Investing
3/11/16 / TEST Saving and Investing
Stock Market Project
3/15/16 / 10 Companies - worksheet
3/16/16 / Research Packet
3/17/16 / Stock Talley Sheet and Student success reports.