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Retirement

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Here's how Retirement aligns with curriculum standards in Connecticut. Use the filters to change the location, set of standards, and grade level.

Financial Literacy Standards

9.1: Earning Income

12.1: Compensation for a job or career can be in the form of wages, salaries, commissions, tips, or bonuses, and may also include contributions to employee benefits, such as health insurance, retirement savings plans, and education reimbursement programs.

Standards
Defined by Standards for Personal Finance: NGPF 9th-12th Grades and align with Retirement
12.1.d: Examine the benefits of participating in employer sponsored retirement savings plans and healthcare savings plans.

12.10: Retirement income typically comes from some combination of continued employment earnings, Social Security, employer sponsored retirement plans, and personal investments.

Standards
Defined by Standards for Personal Finance: NGPF 9th-12th Grades and align with Retirement
12.10.a: Identify different potential sources of retirement income.
12.10.b: Describe the importance of having multiple sources of income in retirement, such as Social Security, employer sponsored retirement plans, and personal investments.
12.10.c: Explain the importance of participating in employer sponsored retirement plans, when available, and contributing enough to qualify for the maximum employer match.

9.3: Investing

12.1: A person's investment risk tolerance depends on factors such as personality, financial resources, investment experiences, and life circumstances.

Standards
Defined by Standards for Personal Finance: NGPF 9th-12th Grades and align with Retirement
12.1.a: Give examples of factors that can influence a person's risk tolerance.
12.1.b: Discuss how a person's risk tolerance influences their investment decisions.

12.2: Investors earn investment returns from price changes and annual cash flows (such as interest, dividends or rent). The nominal annual rate of return is the annual total dollar benefit as a percentage of the beginning price.

Standards
Defined by Standards for Personal Finance: NGPF 9th-12th Grades and align with Retirement
12.2.b: Compare nominal annual rates of return over time on different types of investments, including cash flows and price changes.

12.3: Investors expect to earn higher rates of return when they invest in riskier assets.

Standards
Defined by Standards for Personal Finance: NGPF 9th-12th Grades and align with Retirement
12.3.a: Discuss the advantages and disadvantages of investing in riskier assets.

12.6: When making diversification and asset allocation decisions, investors consider their risk tolerance, goals, and investing time horizon.

Standards
Defined by Standards for Personal Finance: NGPF 9th-12th Grades and align with Retirement
12.6.a: Recommend portfolio allocation between major asset classes for a short-term goal versus a long-term goal.
12.6.c: Suggest an appropriate asset allocation for a very risk averse person versus a very risk tolerant person.

12.8: Tax rules affect the rate of return on different investments, and can vary by holding period, type of income, and type of account.

Standards
Defined by Standards for Personal Finance: NGPF 9th-12th Grades and align with Retirement
12.8.b: Describe the advantages of investing through a tax deferred account such as an IRA or 401(k) versus a taxable account.

12.10: Financial technology can counterbalance negative behavioral factors when making investment decisions.

Standards
Defined by Standards for Personal Finance: NGPF 9th-12th Grades and align with Retirement
12.10.b: Explain how automating investment activities can help people avoid making emotional investment decisions.