Florida SS.4.FL.5

SS.4.FL.5 is a Florida social studies standard. These are the benchmarks under it.

• SS.4.FL.5.1

  Explain that after people have saved some of their income, they must decide how to invest their savings so that it can grow over time.

• SS.4.FL.5.2

  Explain that a financial investment is the purchase of a financial asset such as a stock with the expectation of an increase in the value of the asset and/or in...

01

What Students Need to Do

Students explain how investing can help money grow over time. They compare investment choices by possible return, risk, and length of time.

02

What Mastery Looks Like

A student can choose between a safer, lower-return option and a riskier, higher-return option. The student can explain that investment gains are not guaranteed.

03

Common Misconceptions

Students may think investing always earns money or works like a savings account. They may also believe that the choice with the highest possible return is always best.

04

How to Assess It

Give students two choices: a guaranteed $5 gain or a possible $10 gain with a chance of losing $3. Ask them to choose one and explain the risk.

1. 01

   Give groups 100 play dollars to split among cash, savings, and investment cards, then compare possible gains and losses.

2. 02

   Ask students to write: “Would you choose a safer return or a larger possible return, and why?”

3. 03

   Play a risk-and-return matching game using cards for savings accounts, stocks, bonds, and business ownership.

4. 04

   Compare two fictional families planning for college, one saving only and one investing part of their money.

• SS.8.FL.5

  Identify and analyze the means, types and risks of financial investing including personal and societal influences and the government’s role in regulating invest...

• SS.8.FL.3

  Identify and compare the different means and risks of saving and investing money, including the impact of inflation and interest rates.