General Competencies
I understand what the stock market is, how it works, and why companies issue shares.
I can explain the difference between stocks, bonds, ETFs, mutual funds, and index funds.
I understand how stock prices change and the role of supply, demand, earnings, and news in influencing value.
I understand the difference between short-term trading and long-term investing, and why time in the market often beats timing the market.
I can explain the concept of risk vs. reward and why diversification reduces risk.
I understand compound interest and how reinvesting dividends can grow wealth over time.
I can identify different types of investing strategies (growth vs. value, passive vs. active).
I understand how investing can build long-term financial freedom—and how it fits into a broader financial plan.
Advanced Competencies
I can interpret key macroeconomic indicators (e.g., CPI, unemployment rate, GDP, interest rates) and understand their influence on markets.
I understand the role of inflation, monetary policy (Federal Reserve), and fiscal policy in shaping economic conditions and investment outcomes.
I can evaluate and compare investment vehicles such as real estate, REITs, crypto, and private equity.
I can identify emotional and cognitive biases in financial decision-making (confirmation bias, loss aversion, overconfidence).
I understand the concept of leverage, options trading (calls/puts), and margin—and the risks involved.
I can assess risk tolerance and investment time horizon to tailor an investment strategy that fits a set of financial goals (*case study competition)