HSFPP Home > Students > Unit 3 – Investing

Unit 3 Investing: Making Money Work for You
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Unit Competency and Objectives

Unit Overview: This outlines what you will learn in this unit and a way to track your progress on assignments and the assessment.

Student Learning Plan: Use this learning plan to track which learning activities you have accomplished through the unit.

 

Exercises

Exercise 3A: Ways to Save and Invest
You think of three ways to save money and another three ways to invest money to create future income or profit.

Exercise 3B: The Power of Compounding
How much will $10 invested grow in one year, two years, six years? You use two interest rates to see how much that $10 will grow over these and other time periods.

Exercise 3C: The Impact of Higher Returns
Remember the Rule of 72? You'll apply it here to calculate the answers to four questions.

Exercise 3D: Risk versus Reward
Exercise 3D (Handout)
You'll check out Carrie's and Darren's investment strategies to see who has the riskier program as well as the potential for higher earnings.

Exercise 3E: Savings or Investment?
What is common and what is unique about savings and investments? You'll draw a Venn diagram to find out.

 

Assignments

Assignment 3-1: Time Value of Money
Required Criteria
Get out your calculator! This time, you'll help Diana and Elaine figure out how much their investments will be worth at different interest rates and time periods.

Assignment 3-2: Which Is the Best Deal?
Required Criteria
It's time for you to do some comparison shopping—this time for investment options. You'll select an income investment that meets your needs, find out how to open an account, and get and fill out an application for the best option.

Assignment 3-3: My Investing Options
Required Criteria
You're asked to gather information and provide details on three different types of income and/or growth investments that interest you.

Assignment 3-4: My Risks and Rewards
Required Criteria
You'll need your crystal ball as you take the information you gathered for Assignment 3-3 to predict the potential risks and rewards of the investment options you selected.

 

Assessment

Assessment 3-1: My Investing Plan
Required Criteria
Take everything you learned in Unit 3 to prepare your personal saving and investing plan.

 

Optional Activities

In the Instructor's Manual, teachers are provided “optional activities” to supplement your learning. Not all teachers will have time to have you complete in class. In case you are interested in expanding your knowledge a bit more, check out the optional activities below. Once you complete an activity, you mind need to check your answers with your teacher. They have a copy of the answer keys.

• You'll use what you have learned about the time value of money to solve the exercises in the Dollars and Sense handout provided by your teacher.
• You'll create an informational poster or brochure to let your class or family know about an investment.
• You'll check out software or a Web site aimed at organizing an investment portfolio.
• What's your personal risk tolerance? You'll find out when you complete the Are You a Risk-Taker? Handout provided by your teacher.
• Talk with your mom, dad, or other adults about their investment experiences, and take notes so you can share what you found out.
• You'll work alone or with a friend to do the Unit 3 Success Street Sweep activity on the HSFPP Web site.

 

Supplementary Materials

There are some handouts which “supplement” what you are learning in the curriculum. Your teacher has some in the Instructor's Manual. But, if you are curious – explore.

 

Taking It Home

For Students:

1. You'll take home and read a newsletter article about the time value of money and the rewards of investing.
2. You'll ask your parents about the lessons they've learned about saving and investing.

For Parents:

1. You'll read the newsletter article your teen brings home from school and discuss the time value of money and the rewards of investing.
2. You'll discuss with your teen the lessons you've learned about saving and investing.

 

Links

Below are helpful resources related to this unit.