《花旗银行内部》PPT课件.ppt

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1、Activity 1Saving vs.InvestingActivity 2.Saving for a Rainy DayActivity 3.1+1=SavingActivity 4.Investing for the Long Term,Money Management-Activity 1,ACTIVITY 1Saving vs.InvestingOverview Saving vs.investing Information on a paycheck Making a financial plan Budgeting,2,Slide 1-Do You Save?Do You Inv

2、est?Lesson Reference:Money Management,Activity 1 Overhead 1,DO YOU SAVE?DO YOU INVEST?,3,Slide 2-Saving vs.Investing Lesson Reference:Money Management,Activity 1 Overhead 2,SAVING VS.INVESTINGSavingShort-term.Postpones spending.Has safety precautions.InvestingLong-term.Exchanges money for something

3、with the future expectation of receiving a profit.Has risk factors.,4,TAKE A GOOD LOOK AT A PAYCHECK,Slide 3 Paycheck Lesson Reference:Money Management,Activity 1 Handout 1,5,Slide 4 Making a Successful Financial Plan Lesson Reference:Money Management,Activity 1 Handout 2,MAKING A SUCCESSFUL FINANCI

4、AL PLANStart as early as possible.Set goals.Include both short-and long-term strategies.Support the plan with a practical,working budget.Review the plan on a regular schedule.Do your homework while working on your plan.Put the plan in writing.,6,Slide 5-Financial Plan Assistance Lesson Reference:Mon

5、ey Management,Activity 1 Overhead 3,FINANCIAL PLAN ASSISTANCE BankersCertified Financial PlannersSchools and CoursesPeer Groups and Investment ClubsThe MediaThe Internet,7,Savings&InvestmentsFixed ExpensesPeriodic Fixed ExpensesVariable ExpensesDebts,BUILDING MYMONTHLY BUDGET,Slide 6 Building my Mon

6、thly Budget Lesson Reference:Money Management,Activity 1 Handout 4,8,Money Management-Activity 2,ACTIVITY 2Saving for a Rainy DayOverview Reasons to save Concerns and issues with saving Where to save,9,Slide 1-Saving for a Rainy Day Lesson Reference:Money Management,Activity 2 Overhead 1,SAVING FOR

7、A RAINY DAY,10,Slide 2-Reasons to Save Lesson Reference:Money Management,Activity 2 Overhead 2,REASONS TO SAVE Provide for unexpected emergencies.Purchase expensive items in the future.Ensure retirement.Plan for investment opportunities.,11,Slide 3 Concerns and Issues When Saving Lesson Reference:Mo

8、ney Management,Activity 2 Handout 1,CONCERNS AND ISSUESWHEN SAVING Safety Restrictions Liquidity Earnings Taxes,12,Slide 4 Places to Save Lesson Reference:Money Management,Activity 2 Handout 2,PLACES TO SAVE Savings Accounts Money Market Accounts Certificates of Deposit(CDs)Savings Bonds Insurance,1

9、3,Slide 5-Looking at Places to Save Lesson Reference:Money Management,Activity 2 Overhead 3,LOOKING AT PLACES TO SAVEOn a scale of 1 to 5(with 1 being low and 5 being high),rate the following places to save your money.,Based on the above ratings,where would you save your money?Why?,14,Money Manageme

10、nt-Activity 3,ACTIVITY 31+1=Saving Overview,Types of interest The impact of saving Savings regulations,15,Slide 1-Types of Interest Lesson Reference:Money Management,Activity 3 Overhead 1,TYPES OFINTERESTWhich type of return onyour money would youprefer?Whats the difference?,16,Slide 2 Returns on Sa

11、vings Lesson Reference:Money Management,Activity 3 Handout 2,IMPACT OF RETURNS ON SAVINGSThis chart shows what happens at several different rates to$100 in an account when no money is withdrawn and interest is compounded yearly.,17,Slide 3-Savings Regulations Lesson Reference:Money Management,Activi

12、ty 3 Overhead 2,SAVINGS REGULATIONSFederal Government InsuranceDeposits are potentially insured up to$100,000.FDIC(Federal Deposit Insurance Corporation)NCUA(National Credit Union Administration)Truth in Savings ActFinancial institutions must disclose the followinginformation about their consumer sa

13、vings accounts:Fees on accounts Interest rate General terms and conditionsDefines the year as 365 days for purposes ofdetermining the annual percentage rate of interest.,18,Money Management-Activity 4,ACTIVITY 4Investing for the Long TermOverviewThe Historical Performance of the S&P 500 Reasons to I

14、nvest Investing ConsiderationsInvestment ConcernsPlaces to Invest Online Money Management,19,Slide 1-Savings vs.Investing Lesson Reference:Money Management,Activity 4 Overhead 1,SAVING vs.INVESTINGSAVING Short-term.Postpones spending.Has safety precautions.INVESTING Long-term.Exchanges money for som

15、ething with the future expectation of receiving a profit.Has risk factors.,20,Slide 2-Saving vs.Investing,Historically Lesson Reference:Money Management,Activity 4 Overhead 2,SAVING VS.INVESTING,HISTORICALLYThe S&P 500 stock index has increased almost 200 percent since 1970.On average,the stock mark

16、et returns 12 percent per year,including dividends.Savings rates,by comparison,have been much lower anywhere from 1.5%to 5%,usually depending on the length of time the savings are deposited.,21,Slide 3-Places to Invest Lesson Reference:Money Management,Activity 4 Overhead 3,PLACES TO INVEST Stocks B

17、onds Mutual Funds Retirement Plans Real Estate Collectibles/Valuables,22,QUESTIONS TO ASK BEFORE MAKING AN INVESTMENTHow safe is the investment?What types of returns can I expect?What kind of risk is involved?Can I get my money back if I need it?How long will it take and how much will it cost to get

18、 it back quickly?Are my investments in a variety of places to spread my risks(diversification)?,Slide 4 Questions to Ask Lesson Reference:Money Management,Activity 4 Handout 2,23,INTERNET PRIVACY&SECURITYAvoid passwords or screen names that are easy to guess.Change passwords often.Read privacy policies.Check online accounts often.Report unfamiliar transactions.Do not open emails with unsolicited offers that sound too good to be true.,Slide 5 Internet Privacy&Security Lesson Reference:Money Management,Activity 4 Overhead 4,24,