Core Curriculum Content Standards

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21st Century Life and Careers Standards Learning Progressions

9.2 Personal Financial Literacy All students will develop skills and strategies that promote personal and financial responsibility related to financial planning, savings, investment, and charitable giving in the global economy.
D. Planning, Saving, and Investing
By the end of Grade 4 By the end of Grade 8 By the end of Grade 12
Content: Information about investment options assists with financial planning.

9.2.4.D.1 Determine various ways to save.
Content: Information about investment options assists with financial planning.

9.2.8.D.1 Determine how saving contributes to financial well-being.
Content: Information about investment options assists with financial planning.

9.2.12.D.1 Summarize how investing builds wealth and assists in meeting long- and short-term financial goals.
Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.

9.2.4.D.2 Explain the concept of “opportunity cost.”
Content: Information about investment options assists with financial planning.

9.2.8.D.2 Differentiate among various savings tools and how to use them most effectively.
Content: Information about investment options assists with financial planning.

9.2.12.D.2 Assess factors that influence financial planning.
Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.

9.2.4.D.3 Explain what it means to “invest.”
Content: Information about investment options assists with financial planning.

9.2.8.D.3 Differentiate among various investment options.
Content: Information about investment options assists with financial planning.

9.2.12.D.3 Justify the use of savings and investment options to meet targeted goals.
Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.

9.2.4.D.4 Distinguish between saving and investing.
Content: Information about investment options assists with financial planning.

9.2.8.D.4 Distinguish between income and investment growth.
Content: Information about investment options assists with financial planning.

9.2.12.D.4 Analyze processes and vehicles for buying and selling investments.
Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.

9.2.8.D.5 Explain the economic principle of supply and demand.
Content: Information about investment options assists with financial planning.

9.2.12.D.5 Compare the risk, return, and liquidity of various savings and investment alternatives.
Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.

9.2.8.D.6 Relate saving and investing decisions to successful entrepreneurship.
Content: Information about investment options assists with financial planning.

9.2.12.D.6 Explain how government and independent financial services and products are used to achieve personal financial goals.
Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.

9.2.8.D.7 Calculate short- and long-term returns on various investments (e.g., stocks, bonds, mutual funds, IRAs, deferred pension plans, and so on).
Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.

9.2.12.D.7 Relate savings and investment results to achievement of financial goals.
Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.

9.2.8.D.8 Assess the impact of inflation on economic decisions and lifestyles.
Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.

9.2.12.D.8 Differentiate among various investment products and savings vehicles and how to use them most effectively.
Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.

9.2.12.D.9 Assess the role of revenue-generating assets as mechanisms for accruing and managing wealth.
Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.

9.2.12.D.10 Compare and contrast the past and present role of government in the financial industry and in the regulation of financial markets.
Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.

9.2.12.D.11 Determine the impact of various market events on stock market prices and on other savings and investments.
Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.

9.2.12.D.12 Evaluate how taxes affect the rate of return on savings and investments.
Content: Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.

9.2.12.D.13 Analyze how savings, retirement plans, and other investment options help to shift current income for purposes of tax reporting and filing.