MoneyCounts: A Financial Literacy Series

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Presentation transcript:

MoneyCounts: A Financial Literacy Series Saving and Investing for Financial Security: Introduction to the Concepts You Need to Know Brad L Yeckley MBA,PhD(C) Assistant Director of Financial Literacy Penn State Financial Literacy Center The Pennsylvania State University 128A Outreach Building University Park PA 16802 bly106@psu.edu 814-863-0647

You work for YOUR MONEY works for you.

Compound Interest Time Value of Money

Time Value of Money

Compound Interest

Compound Interest

Save, Invest, or Both?

Save, Invest, or Both? It Depends !

Save, Invest, or Both? Risk Tolerance Goals Time Horizon

Save, Invest, or Both?

THE BASIC TYPES OF PRODUCTS Commodities (Gold, Silver etc.) Making your money work THE BASIC TYPES OF PRODUCTS Savings Investments Savings Accounts Bonds Money Market Accounts Stocks Checking Accounts Mutual Funds   Real Estate Commodities (Gold, Silver etc.)

Savings Vehicles SAVINGS ACCOUNTS

Savings Vehicles SAVINGS ACCOUNTS MONEY MARKET ACCOUNTS

Savings Vehicles SAVINGS ACCOUNTS MONEY MARKET ACCOUNTS CHECKING ACCOUNTS

Savings Vehicles SAVINGS ACCOUNTS MONEY MARKET ACCOUNTS CHECKING ACCOUNTS CERTIFICATES OF DEPOSIT

Investment Vehicles BONDS

Investment Vehicles BONDS STOCKS

Investment Vehicles BONDS STOCKS MUTUAL FUNDS

Investment Vehicles BONDS STOCKS MUTUAL FUNDS REAL ESTATE

Investment Vehicles BONDS STOCKS MUTUAL FUNDS REAL ESTATE COMMODITIES

Risk versus Return

Risk versus Return

Diversification

Diversification Asset Classes Time Horizon Liquidity Brokers/Companies Tax Implications

Diversification

Retirement Accounts

Retirement Accounts

Retirement Accounts

Retirement Accounts

Retirement Accounts

Retirement Accounts

Closing Remarks and Questions

Risk versus Return and Risk Assessment Portfolio Diversification Closing Remarks and Questions Compound Interest Time Value of Money Save or Invest or Both Saving Vehicles Investment Vehicles Risk versus Return and Risk Assessment Asset allocation Portfolio Diversification Retirement Accounts

MoneyCounts: A Financial Literacy Series Thank You! Comments and Questions Brad L Yeckley MBA,PhD(C) Assistant Director of Financial Literacy Penn State Financial Literacy Center The Pennsylvania State University 128A Outreach Building University Park PA 16802 bly106@psu.edu 814-863-0647

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