| Code |
Description |
| SS.912.FL.5.1 (Discontinued after 2023-2024): | Compare the ways that federal, state, and local tax rates vary on different types of investments. Describe the taxes effect on the after-tax rate of return of an investment. |
| SS.912.FL.5.10 (Discontinued after 2023-2024): | Explain that people vary in their willingness to take risks because the willingness to take risks depends on factors such as personality, income, and family situation. |
| SS.912.FL.5.11 (Discontinued after 2023-2024): | Describe why an economic role for a government may exist if individuals do not have complete information about the nature of alternative investments or access to competitive financial markets. |
| SS.912.FL.5.12 (Discontinued after 2023-2024): | Compare the Securities and Exchange Commission (SEC), the Federal Reserve, and other government agencies that regulate financial markets. |
| SS.912.FL.5.2 (Discontinued after 2023-2024): | Explain how the expenses of buying, selling, and holding financial assets decrease the rate of return from an investment. |
| SS.912.FL.5.3 (Discontinued after 2023-2024): | Discuss that buyers and sellers in financial markets determine prices of financial assets and therefore influence the rates of return on those assets. |
| SS.912.FL.5.4 (Discontinued after 2023-2024): | Explain that an investment with greater risk than another investment will commonly have a lower market price, and therefore a higher rate of return, than the other investment. |
| SS.912.FL.5.5 (Discontinued after 2023-2024): | Explain that shorter-term investments will likely have lower rates of return than longer-term investments. |
| SS.912.FL.5.6 (Discontinued after 2023-2024): | Describe how diversifying investments in different types of financial assets can lower investment risk. |
| SS.912.FL.5.7 (Discontinued after 2023-2024): | Describe how financial markets adjust to new financial news and that prices in those markets reflect what is known about those financial assets. |
| SS.912.FL.5.8 (Discontinued after 2023-2024): | Discuss ways that the prices of financial assets are affected by interest rates and explain that the prices of financial assets are also affected by changes in domestic and international economic conditions, monetary policy, and fiscal policy. |
| SS.912.FL.5.9 (Discontinued after 2023-2024): | Examine why investors should be aware of tendencies that people have that may result in poor choices, which may include avoiding selling assets at a loss because they weigh losses more than they weigh gains and investing in financial assets with which they are familiar, such as their own employer’s stock or domestic rather than international stocks. |
This cluster includes the following access points.
| Access Point Number |
Access Point Title |
| SS.912.FL.5.AP.1: | Compare the ways that federal, state and local tax rates vary on different types of investments. |
| SS.912.FL.5.AP.2: | Discuss how the expenses of buying and selling of financial assets decrease the rate of return from an investment |
| SS.912.FL.5.AP.3: | Discuss that in financial markets, buyers and sellers have influence on the rates of return on financial assets. |
| SS.912.FL.5.AP.4: | Discuss that an investment with greater risk will commonly have a lower market price, and therefore a higher rate of return. |
| SS.912.FL.5.AP.5: | Discuss that shorter-term investments will likely have lower rates of return than longer-term investments. |
| SS.912.FL.5.AP.6: | Discuss how diversifying investments in different types of financial assets can lower investment risk. |
| SS.912.FL.5.AP.7: | Discuss how financial markets adjust prices while considering current financial news. |
| SS.912.FL.5.AP.8: | Discuss ways that the prices of financial assets are affected by interest rates and other economic conditions both domestically and internationally. |
| SS.912.FL.5.AP.9: | Discuss why investors should be aware that people may make poor choices when investing. |
| SS.912.FL.5.AP.10: | Discuss that people vary in their willingness to take risks due to factors such as personality, income and family situation. |
| SS.912.FL.5.AP.11: | Identify government roles to inform individuals seeking alternative investment information. |
| SS.912.FL.5.AP.12: | Compare the roles of government agencies that regulate financial markets. |
