《花旗银行内部》PPT课件

Activity1Savingvs.InvestingActivity2.SavingforaRainyDayActivity3.1+1=SavingActivity4.InvestingfortheLongTerm,MoneyManagement-Activity1,ACTIVITY1Savingvs.InvestingOverviewSavingvs.investingInformationonapaycheckMakingafinancialplanBudgeting,2,Slide1-DoYouSave?DoYouInvest?LessonReference:MoneyManagement,Activity1Overhead1,DOYOUSAVE?DOYOUINVEST?,3,Slide2-Savingvs.InvestingLessonReference:MoneyManagement,Activity1Overhead2,SAVINGVS.INVESTINGSavingShort-term.Postponesspending.Hassafetyprecautions.InvestingLong-term.Exchangesmoneyforsomethingwiththefutureexpectationofreceivingaprofit.Hasriskfactors.,4,TAKEAGOODLOOKATAPAYCHECK,Slide3PaycheckLessonReference:MoneyManagement,Activity1Handout1,5,Slide4MakingaSuccessfulFinancialPlanLessonReference:MoneyManagement,Activity1Handout2,MAKINGASUCCESSFULFINANCIALPLANStartasearlyaspossible.Setgoals.Includebothshort-andlong-termstrategies.Supporttheplanwithapractical,workingbudget.Reviewtheplanonaregularschedule.Doyourhomeworkwhileworkingonyourplan.Puttheplaninwriting.,6,Slide5-FinancialPlanAssistanceLessonReference:MoneyManagement,Activity1Overhead3,FINANCIALPLANASSISTANCEBankersCertifiedFinancialPlannersSchoolsandCoursesPeerGroupsandInvestmentClubsTheMediaTheInternet,7,Savings&InvestmentsFixedExpensesPeriodicFixedExpensesVariableExpensesDebts,BUILDINGMYMONTHLYBUDGET,Slide6BuildingmyMonthlyBudgetLessonReference:MoneyManagement,Activity1Handout4,8,MoneyManagement-Activity2,ACTIVITY2SavingforaRainyDayOverviewReasonstosaveConcernsandissueswithsavingWheretosave,9,Slide1-SavingforaRainyDayLessonReference:MoneyManagement,Activity2Overhead1,SAVINGFORARAINYDAY,10,Slide2-ReasonstoSaveLessonReference:MoneyManagement,Activity2Overhead2,REASONSTOSAVEProvideforunexpectedemergencies.Purchaseexpensiveitemsinthefuture.Ensureretirement.Planforinvestmentopportunities.,11,Slide3ConcernsandIssuesWhenSavingLessonReference:MoneyManagement,Activity2Handout1,CONCERNSANDISSUESWHENSAVINGSafetyRestrictionsLiquidityEarningsTaxes,12,Slide4PlacestoSaveLessonReference:MoneyManagement,Activity2Handout2,PLACESTOSAVESavingsAccountsMoneyMarketAccountsCertificatesofDeposit(CDs)SavingsBondsInsurance,13,Slide5-LookingatPlacestoSaveLessonReference:MoneyManagement,Activity2Overhead3,LOOKINGATPLACESTOSAVEOnascaleof1to5(with1beinglowand5beinghigh),ratethefollowingplacestosaveyourmoney.,Basedontheaboveratings,wherewouldyousaveyourmoney?Why?,14,MoneyManagement-Activity3,ACTIVITY31+1=SavingOverview,TypesofinterestTheimpactofsavingSavingsregulations,15,Slide1-TypesofInterestLessonReference:MoneyManagement,Activity3Overhead1,TYPESOFINTERESTWhichtypeofreturnonyourmoneywouldyouprefer?Whatsthedifference?,16,Slide2ReturnsonSavingsLessonReference:MoneyManagement,Activity3Handout2,IMPACTOFRETURNSONSAVINGSThischartshowswhathappensatseveraldifferentratesto$100inanaccountwhennomoneyiswithdrawnandinterestiscompoundedyearly.,17,Slide3-SavingsRegulationsLessonReference:MoneyManagement,Activity3Overhead2,SAVINGSREGULATIONSFederalGovernmentInsuranceDepositsarepotentiallyinsuredupto$100,000.FDIC(FederalDepositInsuranceCorporation)NCUA(NationalCreditUnionAdministration)TruthinSavingsActFinancialinstitutionsmustdisclosethefollowinginformationabouttheirconsumersavingsaccounts:FeesonaccountsInterestrateGeneraltermsandconditionsDefinestheyearas365daysforpurposesofdeterminingtheannualpercentagerateofinterest.,18,MoneyManagement-Activity4,ACTIVITY4InvestingfortheLongTermOverviewTheHistoricalPerformanceoftheS&P500ReasonstoInvestInvestingConsiderationsInvestmentConcernsPlacestoInvestOnlineMoneyManagement,19,Slide1-Savingsvs.InvestingLessonReference:MoneyManagement,Activity4Overhead1,SAVINGvs.INVESTINGSAVINGShort-term.Postponesspending.Hassafetyprecautions.INVESTINGLong-term.Exchangesmoneyforsomethingwiththefutureexpectationofreceivingaprofit.Hasriskfactors.,20,Slide2-Savingvs.Investing,HistoricallyLessonReference:MoneyManagement,Activity4Overhead2,SAVINGVS.INVESTING,HISTORICALLYTheS&P500stockindexhasincreasedalmost200percentsince1970.Onaverage,thestockmarketreturns12percentperyear,includingdividends.Savingsrates,bycomparison,havebeenmuchloweranywherefrom1.5%to5%,usuallydependingonthelengthoftimethesavingsaredeposited.,21,Slide3-PlacestoInvestLessonReference:MoneyManagement,Activity4Overhead3,PLACESTOINVESTStocksBondsMutualFundsRetirementPlansRealEstateCollectibles/Valuables,22,QUESTIONSTOASKBEFOREMAKINGANINVESTMENTHowsafeistheinvestment?WhattypesofreturnscanIexpect?Whatkindofriskisinvolved?CanIgetmymoneybackifIneedit?Howlongwillittakeandhowmuchwillitcosttogetitbackquickly?Aremyinvestmentsinavarietyofplacestospreadmyrisks(diversification)?,Slide4QuestionstoAskLessonReference:MoneyManagement,Activity4Handout2,23,INTERNETPRIVACY&SECURITYAvoidpasswordsorscreennamesthatareeasyt