68 customizable lessons, aligned with National Standards, exams and more.
Read NGPF's school-by-school analysis of financial education in America today
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So Expensive Series
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Teacher Talk
From Bloomberg:
Their name: Target Date funds. Their share of 401(k) contributions in 2015: More than half expected in 2015. Their appeal: Simplicity (“the only fund that you will need”) and low fees. Selection process: Choose target-date fund close to your retirement. If you are starting to work now and expect to retire in 40 years, then choose Target Date Fund 2055. Composition: Mix of Stock/Bond funds (index funds preferred) that adjusts; as investor gets closer to retirement, moves more into bonds. Fees: Average of 0.78%. Vanguard as low as 0.17%
One way to deepen students understanding of this product is to compare two of the larger offerings: Vanguard and Fidelity. Have them compare these funds across the following dimensions:
Based on this information, which fund would students choose and why?
Bonus question: What would be the composition of funds in 2055 (at retirement)?
What’s the Catch? 2% Interest on Your Checking Account!
New Rules Would Provide Students With Flexibility In How They Receive Financial Aid
Use NGPF's Online Banking Simulation to Bring Real-World Skills Into the Classroom
Activity Idea: Virtual Career Day
NEW! NGPF Economics Resource Directory
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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