PERSONAL INVESTMENT PLAN Copyright © Texas Education Agency, All rights reserved.

2 “Copyright and Terms of Service Copyright © Texas Education Agency. The materials found on this website are copyrighted © and trademarked ™ as the property of the Texas Education Agency and may not be reproduced without the express written permission of the Texas Education Agency, except under the following conditions: 1)Texas public school districts, charter schools, and Education Service Centers may reproduce and use copies of the Materials and Related Materials for the districts’ and schools’ educational use without obtaining permission from the Texas Education Agency; 2) Residents of the state of Texas may reproduce and use copies of the Materials and Related Materials for individual personal use only without obtaining written permission of the Texas Education Agency; 3) Any portion reproduced must be reproduced in its entirety and remain unedited, unaltered and unchanged in any way; 4) No monetary charge can be made for the reproduced materials or any document containing them; however, a reasonable charge to cover only the cost of reproduction and distribution may be charged. Private entities or persons located in Texas that are not Texas public school districts or Texas charter schools or any entity, whether public or private, educational or non-educational, located outside the state of Texas MUST obtain written approval from the Texas Education Agency and will be required to enter into a license agreement that may involve the payment of a licensing fee or a royalty fee.

Discovery Use a search engine to find out about personal financial plans by placing ‘personal financial plan’ in the search box. What do you find? Is there a lot of free information out there? How do you know where to start? Do you know how investing can help you ‘burn calories’? 3 Copyright © Texas Education Agency, All rights reserved.

Need to Know Terms Investment US Savings Bond Certificates of Deposit Mutual Funds Stock Real Estate Collectibles Commodities Penny Stock Rate of Return Income Tax Statement W-2 Form W-4 Form 1040 EZ Form Personal Investment Plan 4 Copyright © Texas Education Agency, All rights reserved.

Introduction- Purpose of Assignment SWBAT (Student Will Be Able To) Determine what type of investor he/she is Identify and examine investment options Evaluate investment options Prepare a Personal Financial Plan Complete a 1040 EZ Tax Return Form 5 Copyright © Texas Education Agency, All rights reserved.

Guided Practice 1 -Financial Plan Worksheet Download the Financial Plan Worksheet As a class, we will fill out this form together to come up with how much money a person would have to invest after recording their income and expenses for a 3-month time period. 6 Copyright © Texas Education Agency, All rights reserved.

Independent Practice 1- What Kind of Investor Am I? Type in the following link to your browser: efault.asp. efault.asp Determine what kind of investor you are based on the results of your quiz. Based on this information and the chart on the next slide, what kind of investments would I be likely to make? 7 Copyright © Texas Education Agency, All rights reserved.

Guided Practice 2 8 Copyright © Texas Education Agency, All rights reserved.

Independent Practice 2-Personal Financial Plan Answer the following questions: How much money do I have to invest after a 3-month time period? How will I invest it? Why did I make the choices I made? 9 Copyright © Texas Education Agency, All rights reserved.

Guided Practice 1 –Filling out a 1040 EZ As a class, we will go through the process of filling out a 1040 EZ tax return form. Please have a pencil ready and let’s go through this together. FYI-The IRS has forms posted for people to download for use. Go to Copyright © Texas Education Agency, All rights reserved.

Summary What are some investment options you have? What kind of risk taker are you? What kind of investments match up with different levels of risk takers? How do you determine how much money to invest? What form, provided by your employer, do you need in order to fill out a 1040 EZ form? Can you fill out a 1040 EZ tax return form? Summary 11 Copyright © Texas Education Agency, All rights reserved.