68 customizable lessons, aligned with National Standards, exams and more.
Read NGPF's school-by-school analysis of financial education in America today
Activities
Advocacy
Behavioral Economics
Best Of
Budgeting
Buying a Car
Career
Checking
Consumer Skills
Credit
Cryptocurrencies
Current Events
Curriculum Announcements
Economics
Entrepreneurship
Edpuzzle
ELL Resources
FinCap Friday
Gambling and Sports Betting
Insurance
Interactive
Investing
Math
Paying for College
Philanthropy
Podcasts
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Professional Development
Question of the Day
Savings
So Expensive Series
Taxes
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
NEW Simulation Activity: How Does Online Banking Work?
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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