2.4.3.G1. Savings Tools. Advanced Level
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1 Savings Tools Advanced Level
2 Types of Savings Tools Savings tools - secure and liquid accounts offered by depository institutions assisting in the management of a savings fund Checking Account Savings Account Money Market Deposit Account Certificate of Deposit Take Charge Today August 2013 Savings Tools Slide 2
3 Ideal for Storing Emergency Savings Insured depository institutions offer accounts which are: Secure Accounts must stay within coverage limits Liquid Generally quick and easy to withdraw money How will a consumer know if their depository institution offers secure accounts? Take Charge Today August 2013 Savings Tools Slide 3
4 Savings Tools Characteristics Each savings tool has different characteristics Interest Liquidity Goal: Determine the savings tool most appropriate for reaching a financial goal Features Take Charge Today August 2013 Savings Tools Slide 4
5 Checking Account Definition Account that provides an easy method for withdrawing and depositing money Interest Most do not If offered, rates are low Liquidity (accessibility) Most liquid What are common ways to access funds in a checking account? Take Charge Today August 2013 Savings Tools Slide 5
6 Checking Account Features Reduce the need to carry large amounts of cash Also known as a share draft account at a credit union Different types of accounts are available (some have fees) Not recommended as the only account used to save money Take Charge Today August 2013 Savings Tools Slide 6
7 Savings Account Definition Account designed to hold money not spent on current consumption Interest Earns interest Rates are often low Liquidity (accessibility) More liquid than other savings tools (except checking accounts) What are common ways to access funds in a savings account? Take Charge Today August 2013 Savings Tools Slide 7
8 Savings Account Features Effective for storing emergency funds May require a minimum balance or have a limited number of withdrawals each month Also known as a share account at a credit union Take Charge Today August 2013 Savings Tools Slide 8
9 Money Market Account Definition Interest Liquidity (accessibility) Account that usually has minimum balance requirements and tiered interest rates Often tiered interest rates the amount of interest earned depends on the account balance Less liquid than checking and savings accounts because of minimum balance requirements and transaction limits Which would typically earn a higher interest rate? An account with a $10,000 balance or a $2,500 balance? Take Charge Today August 2013 Savings Tools Slide 9
10 Money Market Account Features Usually have to deposit a minimum amount to open the account (typically $1,000) Similar to a savings account but earns higher interest and has higher minimum balance/deposit requirements Take Charge Today August 2013 Savings Tools Slide 10
11 Certificate of Deposit (CD) Definition Account that is used for a fixed period of time and allows restricted access to the funds Interest Varies (depending on time and amount of money deposited) Liquidity (accessibility) Least liquid savings tool Why would a depository institution typically offer higher interest rates for CD s with a longer time period or more money invested? Take Charge Today August 2013 Savings Tools Slide 11
12 Certificate of Deposit Features Deposits must be held for a certain length of time (usually 7 days to 10 years) Deposits can range from $100 to $250,000 If funds are held for the designated time period, then there is limited risk and no fees Take Charge Today August 2013 Savings Tools Slide 12
13 Matching Savings Tools to Goals Consider these factors when determining the most appropriate savings tool for your financial goal Amount of funds available Liquidity Interest Purpose of money saved When money is needed Savings tool require ments Fees Take Charge Today August 2013 Savings Tools Slide 13
14 Analyze the features of a savings tool among depository institutions Terms and conditions such as interest rates, fees, and minimum balance requirements may vary. Take Charge Today August 2013 Savings Tools Slide 14
15 Liquidity Higher interest rates are a trade-off for lower liquidity Most Liquid/Lowest Interest Checking Account Checking Accounts Savings Accounts Savings Account Money Market Deposit Account Money Market Deposit Accounts Certificates of Deposit Certificate of Deposit Least Liquid/ Highest Interest Take Charge Today August 2013 Savings Tools Slide 15
16 Summary Understand the features of savings tools to select the most appropriate tool for each financial goal Take Charge Today August 2013 Savings Tools Slide 16
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