Facilitator's Guide - PBS

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“Planning for Retirement” Name: Activity: Planning for Retirement Answer the following questions: a It has been said: “Being young and financially irresponsible is great fun, but being old and broke stinks.” What steps can you take to avoid that from happening in your life? b What values are necessary to develop a successful savings plan for retirement? c What are the ways you can save for retirement? 50
“Power of Compounding Chart” Activity: How Your Money Grows If you invest $2000 a year for the first 8 years of a 40-year period with an annual compound rate of 10%, you will earn more than someone who invests $2000 a year from years 9 to 40. This person would contribute 4 times more, but earn 27% less! Early Funding Late Funding Continual Funding Year Contribution Year-End Value Contribution Year-End Value Contribution Year-End Value 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 Investment Earnings $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $2,200 $4,620 $7,282 $10,210 $13,431 $16,974 $20,871 $25,158 $27,674 $30,441 $33,485 $36,834 $40,517 $44,569 $49,026 $53,929 $59,322 $65,254 $71,779 $78,957 $86,853 $95,583 $105,092 $115,601 $127,161 $139,877 $153,865 $169,252 $186,177 $204,795 $225,275 $247,803 $272,583 $299,841 $329,825 $362,808 $399,089 $438,998 $482,898 $531,188 $16,000 $515,188 $0 $0 $0 $0 $0 $0 $0 $0 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $0 $0 $0 $0 $0 $0 $0 $0 $2,200 $4,620 $7,282 $10,210 $13,431 $16,974 $20,871 $25,158 $29,874 $35,061 $40,767 $47,044 $53,948 $61,643 $69,897 $79,087 $89,196 $100,316 $112,548 $126,003 $140,803 $157,083 $174,991 $194,690 $216,359 $240,195 $266,415 $295,257 $326,983 $361,881 $400,269 $442,496 $64,000 $374,496 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,200 $4,620 $7,282 $10,210 $13,431 $16,974 $20,871 $25,158 $29,874 $35,061 $40,767 $47,044 $53,948 $61,643 $69,897 $79,087 $89,196 $100,316 $112,548 $126,003 $140,803 $157,083 $174,991 $194,690 $216,359 $240,195 $266,415 $295,257 $326,983 $361,881 $400,269 $442,496 $488,741 $539,615 $595,576 $657,134 $724,847 $799,332 $881,265 $971,339 $80,000 $891,339 51
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A Facilitator’s Guide to Using th
Page 7 and 8: TABLE OF CONTENTS USING THE FACILIT
Page 9 and 10: Introduction This Facilitator’s G
Page 11: Section II How to Use this Guide Th
Page 14 and 15: ACTIVITIES Activity One - Personal
Page 16 and 17: EXTENSION ACTIVITY: Members of the
Page 18 and 19: ACTIVITIES Activity One - Needs vs.
Page 20 and 21: Activity Four - Cost of Independent
Page 22 and 23: Other Web Links: http://www.themint
Page 24 and 25: ACTIVITIES Activity One - Selecting
Page 26 and 27: Activity Four - Student Loans Mater
Page 28 and 29: Other Web Links: cont’d. http://w
Page 30 and 31: ACTIVITIES “A certificate of depo
Page 32 and 33: CHAPTER 4 Start Saving (Part 2 - Sa
Page 34 and 35: Activity Three - Investing in Retir
Page 36 and 37: Other Web Links: http://www.themint
Page 38 and 39: ACTIVITIES Activity One - Health In
Page 40 and 41: Activity Three - Dependents and Ins
Page 43 and 44: CHAPTER 6 Do It Yourself Chapter Sy
Page 45 and 46: This Activity can end here or conti
Page 47 and 48: The National Standards in Personal
Page 49 and 50: checking account - a bank account t
Page 51 and 52: insurance - a risk management tool
Page 53 and 54: “Personal Spending Plan” Name:
Page 55 and 56: T CHART Name: Activity: 47
Page 57: “Types of Savings” Name: Activi
Page 61 and 62: Periodicals BIBLIOGRAPHY Amsden, Da
Page 63 and 64: “Home.” Building Careers, Conne
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Facilitator's Guide - PBS

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