IMMERSION CAMP Day Four © 2009 American Century Proprietary Holdings, Inc. All rights reserved. For educational purposes only. Not intended as investment advice.

Redeem Giving Cards Welcome the students. Ask them if they have identified their charities of choice. Tell them they are going to redeem the Giving Cards today.

Redeem Giving Cards www.greaterhorizons.org Hand out cards and have students access the Greater Horizons website. You may want to review the website prior to the session to become familiar with the process. Explain the navigation, if necessary. © 2009 American Century Proprietary Holdings, Inc. All rights reserved. For educational purposes only. Not intended as investment advice.

My Charity-of-Choice Explain to students they are to create a five-minute presentation that communicates information about their charity-of-choice.

Create a 5-minute presentation to share with the entire group My Charity-of-Choice Create a 5-minute presentation to share with the entire group Name of the organization Mission/Purpose Who/what the money will benefit Why you chose the organization Interesting information about the organization Review the presentation parameters with the students. Encourage students to utilize technology and to be creative. © 2009 American Century Proprietary Holdings, Inc. All rights reserved. For educational purposes only. Not intended as investment advice.

Physical Activity Break Stretch Break STRETCH! Lead students in a variety of stretches while discussing how taking care of your body is a long-term investment in one’s future health. © 2009 American Century Proprietary Holdings, Inc. All rights reserved. For educational purposes only. Not intended as investment advice.

Buy This! Buy That!

Buy This! Buy That! What is advertising? Advertising is an announcement of the benefits of a product or service intended to encourage its purchase. Ask students to define advertising and give examples. © 2009 American Century Proprietary Holdings, Inc. All rights reserved. For educational purposes only. Not intended as investment advice.

What are some of your favorite ads or commercials? Buy This! Buy That! What are some of your favorite ads or commercials? Why do you like them? What makes them effective? Do they affect your purchasing decisions? Ask the students to share some of their favorite advertisements. Discuss why they like them and why they think they are effective. © 2009 American Century Proprietary Holdings, Inc. All rights reserved. For educational purposes only. Not intended as investment advice.

Buy This! Buy That! Old Spice Wrigley’s Orbit Gum Target Sonic Snickers Share videos of popular and funny advertisements. Discuss how the advertisements make the product attractive and motivate people to purchase it. © 2009 American Century Proprietary Holdings, Inc. All rights reserved. For educational purposes only. Not intended as investment advice.

Buy This! Buy That! Share a box of adult cereal and a box of kid cereal. Discuss the difference between the two boxes. © 2009 American Century Proprietary Holdings, Inc. All rights reserved. For educational purposes only. Not intended as investment advice.

What are the target audiences for these two cereals? Buy This! Buy That! What are the target audiences for these two cereals? How do these cereals compare to each other? Identify the different target audiences for both cereals. Identify the tactics used to persuade consumers. Introduce the generic cereal and compare it to the first two cereals. Be sure to discuss how brand-name cereals are usually more expensive than generic brands. © 2009 American Century Proprietary Holdings, Inc. All rights reserved. For educational purposes only. Not intended as investment advice.

Comparison Shopping Buy This! Buy That! Seeking out information about the product or service to find the best quality or utility at the best price. Comparison shopping saves you money. Introduce the concept of comparison shopping to the students. Explain how it is a good idea to compare prices of products to find the best deal for your money. You can comparison shop different products in one store and/or the same product in different stores. Often different stores have different prices for the same and/or similar products. © 2009 American Century Proprietary Holdings, Inc. All rights reserved. For educational purposes only. Not intended as investment advice.

Take Five! Have students take a five-minute break.

My Investment Portfolio

My Investment Portfolio What are mutual funds? Open-ended, long-term investments that are professionally managed and consist of a variety of investment instruments. Explain the concept of mutual funds to students and that mutual fund portfolios consist of a variety of stocks, bonds, and money markets. Define stock as an instrument that signifies an ownership position in a corporation and represents a claim on its proportional share in the corporation’s assets and profits. Define bonds as interest bearing certificates used as a means for the government or business to raise money. The borrower promises to repay the bondholder the debt and a specified amount of interest at maturity. Define money markets as an open-ended mutual fund that invests in short-term debt securities. © 2009 American Century Proprietary Holdings, Inc. All rights reserved. For educational purposes only. Not intended as investment advice.

My Investment Portfolio What is diversification? A strategy for reducing some types of risk by selecting a wide variety of investments. Introduce the concept of diversification as the practice of selecting a wide variety of investments to help protect the portfolio from fluctuations in the market. © 2009 American Century Proprietary Holdings, Inc. All rights reserved. For educational purposes only. Not intended as investment advice.

Investment Portfolio Models Stocks These investors seek to maintain the original value of the investments and is prepared to accept lower returns for lower risk. 18-22% Money Markets 43-47% 33-37% Introduce the different classifications of mutual fund portfolios. These different classifications consist of different types of investments. An investor should invest in the classification that best aligns his/her needs – usually depends on age, investing goals, risk tolerance, and amount of time to reach retirement. Explain the breakdown of Very Conservative portfolios and the investor profile. Bonds Very Conservative © 2009 American Century Proprietary Holdings, Inc. All rights reserved. For educational purposes only. Not intended as investment advice.

Investment Portfolio Models 8-12% 28-32% 58-62% Money Markets Bonds Stocks These investors seek higher medium-term returns and accepts the possibility of negative returns over short periods. Explain the breakdown of Moderate portfolios and the investor profile. Moderate © 2009 American Century Proprietary Holdings, Inc. All rights reserved. For educational purposes only. Not intended as investment advice.

Investment Portfolio Models 8-12% 88-92% Bonds Stocks These investors seek to maximize long-term returns and accepts the possibility of greater volatility and short-term capital losses. Explain the breakdown of Very Aggressive portfolios and the investor profile. Very Aggressive © 2009 American Century Proprietary Holdings, Inc. All rights reserved. For educational purposes only. Not intended as investment advice.

My Money…My Mix Introduce the My Money…My Mix game to the students. Tell students the premise of the game is to create a portfolio and watch how the investments perform over time. The goal is to retire after 50 years with the most money in the investment portfolio. Use the Instruction sheet to get more details and help facilitate the game.

Go over the Mutual Fund Mix Options sheet and explain that the sheet provides the different investment mixes they can choose from. They will use this sheet to determine their initial investment mix and can change investment mixes three times during the game.

Explain to students they will use the My Mutual Fund Portfolio sheet to track the growth of their investments over the 50 years.

2 2,100 3,300 4,600 1 6,000 3,600 1,800 600 -2 -1 5,000 3,000 11,000 4,800 5,600 Explain to students they will use the My Mutual Fund Portfolio sheet to determine investment amounts. You will need to walk students through this document while playing the game.

Tomorrow is the final day! Fantastic work today! Thanks students for their hard work.