Super and life events

SubjectNSW Commerce YearStage 5 Curriculum Time60

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Introduction

In this activity, students consider the impact of expected and unexpected events on their financial security. They explore how these challenges affect their long-term plans, such as retirement outcomes and what they might do to minimise these effects.

Australian Curriculum or Syllabus

This activity contributes to the following outcomes.

A student:

  • applies consumer, financial, economic, business, legal, political and employment concepts and terminology in a variety of contexts COM5-1
  • analyses key factors affecting decisions COM5-4
  • evaluates options for solving problems and issues COM5-5
  • develops and implements plans designed to achieve goals COM5-6
  • works independently and collaboratively to meet individual and collective goals withins pecified timeframes COM5-9.

Related Stage 4 outcomes: COM4-1, COM4-5, COM4-6, COM4-9

Related Life Skills outcomes: COMLS-7, COMLS-13

Content descriptions

Core 1: Consumer and Financial Decisions

Financial management

Students:

  • discuss the role and importance of long-term financial strategies, including superannuation
  • investigate tools and strategies for effective financial management, including:
    • savings and superannuation plan.

Option 2: Investing

Investment planning

Students:

  • explain how changes in personal and economic circumstances may lead to variations in investment decisions
  • identify risk mitigation strategies for managing investments

Teacher resources

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To print

Life events cards

 
To print

Life events wildcards

Student learning resources

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Worksheet

Super and life events

Suggested activity sequence

This sequence is intended as a framework to be modified and adapted by teachers to suit the needs of a class group. The activity was written for students in Stage 5, however it can be modified to suit the needs of Stage 4 students and Life skills students.

Part A: Life events

For this activity you will need butchers or chart paper. 

  1. Use a grouping strategy to organise students into groups of 4.
  2. Explain to students that the events that occur throughout their lives can have long-term consequences for their financial wellbeing.
  3. Students draw a timeline of their life in decades on a large sheet of paper.
    20 30 40 60 70 80
    Years
  4. Distribute a set of event cards to each group.
  5. Each group places the event cards along the line. Explain to students that not all events will occur during students’ lives as so much is unknown.
  6. Use a discussion strategy such as a snowball discussion for groups to share and talk about their timelines until the whole class is involved in a discussion about the similarities and differences between groups’ placement of event cards.
  7. As a class sort the event cards into 3 categories:
    • Events that will cost money
    • Events that will make money
    • Events that have no financial impact
  8. Discuss what this might mean for their financial futures.

Part B: Wildcards

  1. Share the wildcards among original groups so each card is distributed.
  2. Groups complete the worksheet.
  3. Each group reports their findings to the class.
  4. Students write a statement explaining how life events can impact on future financial wellbeing and strategies they might use to mitigate these impacts.