Saving and Investing for Financial Security Introduction to the Concepts You Need to Know Brad L Yeckley MBAPhD C Assistant Director of Financial Literacy Penn State Financial Literacy Center ID: 648099
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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 LiteracyPenn State Financial Literacy CenterThe Pennsylvania State University128A Outreach BuildingUniversity Park PA 16802bly106@psu.edu 814-863-0647Slide2Slide3
You work for
YOUR MONEYw
orks for you.Slide4
Compound
Interest
Time Value of MoneySlide5
Time Value of MoneySlide6
Compound InterestSlide7
Compound InterestSlide8
Save, Invest, or Both?Slide9
Save, Invest, or Both?
It Depends !Slide10
Save, Invest, or Both?
Goals
Time Horizon
Risk ToleranceSlide11
Save, Invest, or Both?Slide12
THE BASIC TYPES OF PRODUCTS
Savings
Investments
Savings AccountsBondsMoney Market AccountsStocksChecking AccountsMutual Funds
Real Estate
Commodities (Gold, Silver etc.)
Making your money workSlide13
Savings Vehicles
SAVINGS ACCOUNTSSlide14
Savings Vehicles
SAVINGS ACCOUNTSMONEY MARKET ACCOUNTSSlide15
Savings Vehicles
SAVINGS ACCOUNTSMONEY MARKET ACCOUNTSCHECKING ACCOUNTSSlide16
Savings Vehicles
SAVINGS ACCOUNTSMONEY MARKET ACCOUNTSCHECKING ACCOUNTSCERTIFICATES OF DEPOSITSlide17
Investment Vehicles
BONDSSlide18
Investment Vehicles
BONDSSTOCKSSlide19
Investment Vehicles
BONDSSTOCKSMUTUAL FUNDSSlide20
Investment Vehicles
BONDSSTOCKSMUTUAL FUNDS
REAL ESTATESlide21
Investment Vehicles
BONDSSTOCKSMUTUAL FUNDS
REAL ESTATECOMMODITIESSlide22
Risk versus ReturnSlide23
Risk versus ReturnSlide24
DiversificationSlide25
Diversification
Asset ClassesTime HorizonLiquidityBrokers/Companies
Tax ImplicationsSlide26
DiversificationSlide27
Retirement AccountsSlide28
Retirement AccountsSlide29
Retirement AccountsSlide30
Retirement AccountsSlide31
Retirement AccountsSlide32
Retirement AccountsSlide33
Closing Remarks and QuestionsSlide34
Closing Remarks and Questions
Compound InterestTime Value of Money
Save or Invest or BothSaving Vehicles Investment VehiclesRisk versus Return and Risk AssessmentAsset allocation
Portfolio Diversification Retirement AccountsSlide35
MoneyCounts:
A Financial Literacy SeriesThank You!Comments and Questions
Brad L Yeckley MBA,PhD
(C)Assistant Director of Financial LiteracyPenn State Financial Literacy CenterThe Pennsylvania State University128A Outreach BuildingUniversity Park PA 16802bly106@psu.edu 814-863-0647