* Saving: Banks & Investments

Invest Your Money:Using Banks,

Buying Investments: a House, Bonds and

Stocks

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It’s great to get a paycheck!

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It’s great to get money as a gift!

What should you do with extra money?

Saving money is very important!

Start saving as soon as you start a job!

P Y F

ayourselfirst!

Pay yourself first means save money every payday for you.

Why save money?You will need money for…

…a car.…a computer.…a flat screen tv.…a vacation.

…a wedding.…furniture.…to pay college for children.

…an emergency.

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When you pay yourself first, you will be able to buy special things.

When you pay yourself first, you will be ready for an emergency.

1. Saving money means you put the money in a safe place. You will use it later.

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This is a bad idea. He will be poor.

Saving money wastes my time.

Saving Plan #1: Do not save.

2. There are different ways to save money. a. Save money in a piggy bank. b. Save money in a bank account.

c. You can buy real estate (a house).d. You can buy bonds.e. You can buy stocks.

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This is one way to save money.

3. Using a piggy bank is not the best way because your money will not grow.

Saving Plan #2: Use a piggy bank.

2011 2021

Saving money in a bank is better than using a piggy bank.4. Banks pay you extra money to save.The extra money is called interest.

Saving Plan #3: Open a savings account.

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5. It is safe to save money in a bank.

This sign means that all money is insured.

Saving Plan #3: Open a savings account.

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5. It is safe to save money in a bank. You may take the money when you need it.If you do not touch the money for a long time, it will earn more interest.

This sign means that all money is insured.

Saving Plan #3: Open a savings account.

Remember: if you do not touch money saved in the bank for a long time, your money will grow.

Saving Plan #3: Open a savings account.

6. Another way to save money is to invest.When you invest, you ‘buy’ an investment that you do not touch.After a long time, your investment will be worth more money.

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7. A house –real estate- is a kind of investment. If you buy a house, you may stay in it for a long time. After many years, your house may be worth more money.

6. Another way to save money is to invest.When you invest, you ‘buy’ an investment that you do not touch.After a long time, your investment will be worth more money.

1999 = $100,0002019 = $150,000

Saving Plan #4: Invest your money in a house.

Remember: if you do not sell the house for a long time, the value will grow.

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People like to give U.S. Savings Bonds to babies.You pay $50 for this U.S. Savings Bond. The U.S. government promises to pay you back the $50 + interest.After 20 years, when the baby is in college, the bond will be worth $100.

7. Buying a bond is another kind of investment.When you buy a bond, you are lending someone money. They promise to pay you back the money plus interest.

Saving Plan #5: Invest your money in bonds.

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Lending money to a business is called ‘buying a bond.’When you buy a bond from a business, the business promises to pay you back later. They will pay you back plus interest.

Lemonade Stand Bond Certificate $110

Saving Plan #4: Invest your money in bonds.

Remember: if you do not touch money in a bond for a long time, your money will grow.

Saving money is very important!

If you save $10 in a piggy bank each week for ten years, you will have about $4,800.00.

If you put money in a savings account for ten years, you will have $5,459.71.

If you save nothing for ten years, you will have nothing.

This is more money because banks pay interest!

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I won’t pay anything.

Start saving when you are young.You will earn more interest.

8. Don't forget!

Pay yourself first!

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finis

Lowest Risk: Lowest Potential Return or Loss

SpeculativeStocks

Real Estate

Individual Stocks

Stock Mutual Funds

Money market Mutual Funds

Insured Certificates of Deposit

Insured Savings Accounts

U.S. Savings Bonds

Highest Risk: Highest Potential Return or Loss

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finis