Core Curriculum Content Standards

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NJ World Class Standards
Content Area: 21st-Century Life and Careers
9.2 Personal Financial Literacy
Content Area 21st-Century Life and Careers
Standard 9.2 Personal Financial Literacy All students will develop skills and strategies that promote personal and financial responsibility related to financial planning, savings, investment, and charitable giving in the global economy.
Strand D. Planning, Saving, and Investing
By the end of grade Content Statement CPI# Cumulative Progress Indicator (CPI)
4
Information about investment options assists with financial planning.
9.2.4.D.1 Determine various ways to save.                                                                                                              
Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.
9.2.4.D.2 Explain the concept of “opportunity cost.”                                                                                                              
9.2.4.D.3 Explain what it means to “invest.”                                                                                                              
9.2.4.D.4 Distinguish between saving and investing.                                                                                                              
8
Information about investment options assists with financial planning.
9.2.8.D.1 Determine how saving contributes to financial well-being.                                                                                                              
9.2.8.D.2 Differentiate among various savings tools and how to use them most effectively.                                                                                                              
9.2.8.D.3 Differentiate among various investment options.                                                                                                              
9.2.8.D.4 Distinguish between income and investment growth.                                                                                                              
Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.
9.2.8.D.5 Explain the economic principle of supply and demand.                                                                                                              
9.2.8.D.6 Relate saving and investing decisions to successful entrepreneurship.                                                                                                              
9.2.8.D.7 Calculate short- and long-term returns on various investments (e.g., stocks, bonds, mutual funds, IRAs, deferred pension plans, and so on).                                                                                                              
9.2.8.D.8 Assess the impact of inflation on economic decisions and lifestyles.                                                                                                              
12
Information about investment options assists with financial planning.
9.2.12.D.1 Summarize how investing builds wealth and assists in meeting long- and short-term financial goals.                                                                                                              
9.2.12.D.2 Assess factors that influence financial planning.                                                                                                              
9.2.12.D.3 Justify the use of savings and investment options to meet targeted goals.                                                                                                              
9.2.12.D.4 Analyze processes and vehicles for buying and selling investments.                                                                                                              
9.2.12.D.5 Compare the risk, return, and liquidity of various savings and investment alternatives.                                                                                                              
9.2.12.D.6 Explain how government and independent financial services and products are used to achieve personal financial goals.                                                                                                              
Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.
9.2.12.D.7 Relate savings and investment results to achievement of financial goals.                                                                                                              
9.2.12.D.8 Differentiate among various investment products and savings vehicles and how to use them most effectively.                                                                                                              
9.2.12.D.9 Assess the role of revenue-generating assets as mechanisms for accruing and managing wealth.                                                                                                              
9.2.12.D.10 Compare and contrast the past and present role of government in the financial industry and in the regulation of financial markets.                                                                                                              
9.2.12.D.11 Determine the impact of various market events on stock market prices and on other savings and investments.                                                                                                              
9.2.12.D.12 Evaluate how taxes affect the rate of return on savings and investments.                                                                                                              
9.2.12.D.13 Analyze how savings, retirement plans, and other investment options help to shift current income for purposes of tax reporting and filing.