2.4.3.G1. Savings Tools. Advanced Level
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1 Savings Tools Advanced Level
2 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 easy to withdraw & deposit money holds money not spent on current consumption minimum balance tiered interest rates transaction limits fixed time period restricted access to the funds
3 Ideal for Storing Emergency Savings Insured depository institutions offer accounts which are: Secure If accounts stay within coverage limits ($250K), they are insured by the government 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 Federal reserve central banking system controls money supply sets interest rates Take Charge Today August 2013 Savings Tools Slide 4
5 FDIC Insures deposits Up to $250,000 in U.S. banks Take Charge Today August 2013 Savings Tools Slide 5
6 NCUA insures deposits up to $250,000 in U.S. credit unions Take Charge Today August 2013 Savings Tools Slide 6
7 liquidity Cost in time and money to convert an account or investment into cash $$$$$$$ Take Charge Today August 2013 Savings Tools Slide 7
8 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 8
9 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 9
10 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 10
11 Checking Account Definition easy to withdraw & depositing money Interest Most do not If offered, rates are lowest Liquidity (accessibility) Most liquid What are common ways to access funds in a checking account? Take Charge Today August 2013 Savings Tools Slide 11
12 Checking Accounts Reduce the need to carry large amounts of cash 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 12
13 Savings Accounts Definition holds 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 13
14 Savings Accounts Effective for storing emergency funds May require a minimum balance or have a limited number of withdrawals each month Take Charge Today August 2013 Savings Tools Slide 14
15 Money Market Accounts Definition Interest Liquidity (accessibility) minimum balance tiered interest rates transaction limits Often tiered interest rates depends on the account balance ^ balance = ^ interest rate 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 15
16 risk / reward higher risk = (usually) higher reward Take Charge Today August 2013 Savings Tools Slide 16
17 Money Market Accounts 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 17
18 Certificate of Deposit (CD) Definition fixed time period restricted access to the funds Interest Varies (depending on time and amount of money deposited) Liquidity (accessibility) Least liquid Take Charge Today August 2013 Savings Tools Slide 18
19 Certificate of Deposit Deposits must be held for a certain length of time (up to 10 years) 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 19
20 You Decide: Which Tool is Best? Avery s goal is to create an emergency savings fund Javier s goal is to purchase a new car within the year Savings account Money market account Funds are easily accessible Higher interest rates available Take Charge Today August 2013 Savings Tools Slide 20
21 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 21
22 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 22
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