Standard 5: Saving and Investing


  1. Explain reasons for saving and investing to meet goals and build wealth (e.g., opportunity cost, return on investment, emergencies, major purchases, down payments, and education).
  2. Identify and compare the costs and benefits of various investment strategies (e.g., compound interest, tax implications, account liquidity, and investment diversification) and how inflation affects investment growth.

Online Curriculum and Lesson Plans

Making $en$e: Financial Success for Oklahoma Students – Oklahoma State Department of Education | view now

  • Module 5.1: Getting Started
  • Module 5.2: The Rule of 72
  • Module 5.3: Saving and Investing Tools
  • Module 5.4: Time is Money

It Just Adds Up | view now

  • Lesson 2 – Plotting Your Future
  • Lesson 8 – Money: Let’s Trade
  • Lesson 11 – Borrowers and Lenders
  • Lesson 12 – Savings
  • Lesson 13 – Investing


  • The Benefits of Investing Early | view now
  • Take a Risk on Investor Island (Part I | view now
  • Take a Risk on Investor Island (Part II) | view now
  • Stock Prices Tumble | view now

The Stock Market Game

SMG Logo -small

  • Teams of three to five students invest a hypothetical $100,000.00 in a portfolio
    of common stocks, bonds and mutual funds.
  • comprehensive curriculum materials, print and on-line for students of all
    ability levels, as well as hands-on support.

Visit the OCEE site for more information and to sign your class up.


What is a Stock, or Who Owns McDonald’s? | view now

Investing terms and definition. view now

Interactive game for kids: Murktide Invasion play now

free Savings Calculator. view now

Council for Economic Education Lessons

Capstone Teacher’s Guide

  • Unit 3, Lesson 16 – Making Choices about Saving and Investing
  • Economics and the Environment
  • Unit 4, Lesson 9 – Weighing the Pluses and the Minuses : Benefit-Cost Analysis

Financial Fitness for Life, Bringing Home the Gold, (9-12) Teacher Guide

  • Theme 3 – Tomorrow’s Money: Getting to the End of the Rainbow
  • Lesson 8 – What’s the Cost of Spending and Saving?
  • Lesson 9 – There is No Free Lunch in Investing
  • Lesson 10 – Investment Bingo

Financial Fitness for Life, Shaping Up Your Financial Future, (6-8) Teacher Guide

  • Theme 3 – Saving
  • Lesson 6 – Why Save?
  • Lesson 7 – Types of Savings Plans
  • Lesson 8 – Who Pays and Who Receives?
  • Lesson 9 – Stocks and Mutual Funds
  • Lesson 10 – Let Lenders and Borrowers Be
  • Lesson 11 – Saving and Investing are Risky Business

Focus: Middle School Economics

  • Lesson 15 – Savers and Borrowers

OCEE Lesson:

Savings and Investing | Download now


Online Resources
  • “I” is for investing: teaching kids the basics | view now
  • U.S. Securities and Exchange Commission
    Differences between Savings and Investing | view now
    Get the Facts: The SEC’s Roadmap to Savings and Investing | view now
  • Rule of 72 | view now
  • Interest - Get Objects | view now
  • America Saves | view now
  • Download OCEE Lesson: Do you know your savings and investing terms | Download now


Expanded Activities