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Teacher Talk
I wanted to share the investing lesson that I used today with my high school seniors. We had played the retro investing game Stocks and Bonds on Tuesday which provided a sense of the emotions that often come with investing.
We used the first ten minutes of class to reflect on the lessons from the game and then had a ten minute class discussion. Among the insights they gained: importance of diversification, “the roller coaster ride” of investing, dividends as an income source, the futility of predicting the direction of the market and the relationship between risk and return. It was great to see that a fun game that engaged all students also taught them such valuable lessons.
Given that I only had about 70 minutes, at this point, for a topic (investing) that could span a semester, I looked for inspiration last week when I stumbled across this recent CNBC clip of Warren Buffett giving investment advice to Lebron James. Let me tell you the reasons that I love this clip:
Using those three themes as a centerpiece, I had the students complete these activities from the NGPF Activity Bank for the remainder of class to deepen their understanding of these three concepts:
I ended class with a question about how students would think about splitting their investments between stocks and bonds for their retirement account (we had a conversation about 401(k) plans which would likely be their first opportunity to invest. The answers ranged from 10% stocks/90% bonds to 100% stocks/0% bonds. We discussed the importance of time horizon, risk tolerance (here’s a game the students love to play on this topic) and investing goals in coming up with the right asset allocation. We also discussed one rule of thumb: investing your age in bonds (so a 20 year old would invest 20% of their assets in bonds) and why it makes sense.
Enjoy!
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Be sure to include Index Funds in your Investing unit. You have lots of lessons and activities on this topic to choose from on the NGPF website.
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Tim's saving habits started at seven when a neighbor with a broken hip gave him a dog walking job. Her recovery, which took almost a year, resulted in Tim getting to know the bank tellers quite well (and accumulating a savings account balance of over $300!). His recent entrepreneurial adventures have included driving a shredding truck, analyzing executive compensation packages for Fortune 500 companies and helping families make better college financing decisions. After volunteering in 2010 to create and teach a personal finance program at Eastside College Prep in East Palo Alto, Tim saw firsthand the impact of an engaging and activity-based curriculum, which inspired him to start a new non-profit, Next Gen Personal Finance.
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