1. 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

3. You work for
YOUR MONEY
works for you.

4. Compound Interest
Time Value of Money

5. Time Value of Money

6. Compound Interest

7. Compound Interest

8. Save, Invest, or Both?

9. Save, Invest, or Both?
It Depends !

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

11. Save, Invest, or Both?

12. 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.)

13. Savings Vehicles
SAVINGS ACCOUNTS

14. Savings Vehicles
SAVINGS ACCOUNTS
MONEY MARKET ACCOUNTS

15. Savings Vehicles SAVINGS ACCOUNTS MONEY MARKET ACCOUNTS
CHECKING ACCOUNTS

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

17. Investment Vehicles
BONDS

18. Investment Vehicles
BONDS
STOCKS

19. Investment Vehicles
BONDS
STOCKS
MUTUAL FUNDS

20. Investment Vehicles
BONDS
STOCKS
MUTUAL FUNDS
REAL ESTATE

21. Investment Vehicles
BONDS
STOCKS
MUTUAL FUNDS
REAL ESTATE
COMMODITIES

22. Risk versus Return

23. Risk versus Return

24. Diversification

25. Diversification Asset Classes Time Horizon Liquidity Brokers/Companies
Tax Implications

26. Diversification

27. Retirement Accounts

28. Retirement Accounts

29. Retirement Accounts

30. Retirement Accounts

31. Retirement Accounts

32. Retirement Accounts

33. Closing Remarks and Questions

34. 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

35. 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