花旗银行内部.ppt

花旗银行内部
一簇蓝色精灵的小确幸
CHENYING0907
Savings & Investments
Fixed Expenses
Periodic Fixed Expenses
Variable Expenses
Debtshat happens at several different rates to $100 in an account when no money is withdrawn and interest is compounded yearly.
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Slide 3 - Savings Regulations Lesson Reference: Money Management, Activity 3 – Overhead 2
SAVINGS REGULATIONS
Federal Government Insurance
Deposits are potentially insured up to $100,000.
FDIC (Federal Deposit Insurance Corporation)
NCUA (National Credit Union Administration)
Truth in Savings Act
Financial institutions must disclose the following
information about their consumer savings accounts:
Fees on accounts
Interest rate
General terms and conditions
Defines the year as 365 days for purposes of
determining the annual percentage rate of interest.
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Money Management - Activity 4
ACTIVITY 4
Investing for the Long Term
Overview
The Historical Performance of the S&P 500
• Reasons to Invest
• Investing Considerations
Investment Concerns
Places to Invest
• Online Money Management
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Slide 1 - Savings vs. Investing Lesson Reference: Money Management, Activity 4 – Overhead 1
SAVING vs. INVESTING
SAVING
Short-term.
Postpones spending.
Has safety precautions.
INVESTING
Long-term.
Exchanges money for something with the future expectation of receiving a profit.
Has risk factors.
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Slide 2 - Saving vs. Investing, Historically Lesson Reference: Money Management, Activity 4 – Overhead 2
SAVING VS. INVESTING, HISTORICALLY
The S&P 500 stock index has increased almost 200 percent since 1970. On average, the stock market returns 12 percent per year, including dividends.
Savings rates, by comparison, have been much lower – anywhere from % to 5%, usually depending on the length of time the savings are deposited.
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Slide 3 - Places to Invest Lesson Reference: Money Management, Activity 4 – Overhead 3
PLACES TO INVEST
Stocks
Bonds
Mutual Funds
Retirement Plans
Real Estate