Bogleheads® financial literacy project

From Bogleheads

The Bogleheads® financial literacy project is an effort to create a repository of PowerPoint on several very focused investing topics so that someone wanting to give a presentation could pick and choose and create a sub-set of the master group to suit their needs. Currently, a lot of material exists online to be read, but it is difficult to find PowerPoint presentations or other slide decks to be used for presenting to larger audiences. This article attempts to address that need.

Financial literacy: The ability to use knowledge and skills to manage financial resources effectively for a lifetime of financial well-being.

Financial education: The process by which people improve their understanding of financial products, services and concepts, so they are empowered to make informed choices, avoid pitfalls, know where to go for help and take other actions to improve their present and long-term financial well-being.
~President’s Advisory Council on Financial Literacy[1]


Approach

Your target audience may need a specialized teaching environment or presentation style.

For parents

Many parents are interested in teaching their children about personal finance. While it is possible for parents to use accounts at financial institutions as instruments in the service of personal finance education, some account types accelerate a journey towards retirement savings. Accounts for children describes how.

Students

Military

Try an informal seating arrangement (maybe around a table) with as little structure as possible. The service members who are ready to start saving for financial independence tend to be allergic to PowerPoint... or put to sleep by it. A two-page handout that's just text with plenty of space for taking notes will work.

Medical professionals

See also: this post by forum member czeckers.

Give an informal talk over 2 days. Much of the 1st day is specific to a target audience of young professionals who are late in the game with respect to saving, will have a high income, usually have a high loan burden. The second day is much more generalizable to the population at large.

Two Day Talk
Day One (1 hour) Day Two (Focused on Investing)
  • Basics of personal finance
  • Insurance
  • Loan repayment -- pay off highest interest rate loans first

Young professionals

Member supplied material

General audience

Below are the forum member contributions for a general audience. The table can be sorted by clicking on the appropriate heading.

Bogleheads Forum Contributions for a General Audience
Title Topics Comments Contributor
All-In-One Funds (PowerPoint)
  • Target Date Funds
  • Target Risk funds
  • Balanced Funds
 An overview of Vanguard offerings. Milwaukee WI Bogleheads
Bogleheads® Investment philosophy (PowerPoint)

See: Bogleheads® investment philosophy

PowerPoint includes notes. Intended for new investors. Milwaukee WI Bogleheads
Charitable Donor Funds (PowerPoint)

See: Donor advised fund.

How to, why to, when to use these tools for tax and estate planning. Milwaukee WI Bogleheads
Fidelity's Income Investing Tools (PowerPoint)

How to use Fidelity's Investment Guidance tools.

A supplemental guide. Milwaukee WI Bogleheads
Investment Policy Statement (PowerPoint)

See: Investment policy statement

Intended for new investors. Milwaukee WI Bogleheads
Morningstar Style Boxes (PowerPoint)

See: Stock style boxes

Does not cover fixed income style boxes. Milwaukee WI Bogleheads
Asset allocation during withdrawal (PowerPoint)

Managing portfolio withdrawal by asset allocation, reverse dollar cost averaging.

MS PowerPoint, includes notes. Intended for experienced investors. Milwaukee WI Bogleheads
Retirement Funds: Will you still love me tomorrow? (PowerPoint)

Withdrawal strategy

A look at Jim Otar's zones and Guyton's rules. Intended for experienced investors. Milwaukee WI Bogleheads
Perspective: Keeping your head when all around you are losing theirs? (PowerPoint) Emotional impacts. An actual case study of why you should "Stay the course". Intended for new investors. Milwaukee WI Bogleheads
Rebalancing: How and When (PowerPoint)

See: Rebalancing

LeeMKE's spreadsheet is available for download at the bottom of the Rebalancing article ("Spreadsheets"). Milwaukee WI Bogleheads
Preparing for retirement: Streamline, simplify, document (PowerPoint) Retirement planning. How to prepare for retirement. Also see: Preparing for retirement and Checklist of important retirement dates Milwaukee WI Bogleheads
What's your number? How to know when you've "made it" (PowerPoint) Retirement planning. How to determine if you have enough saved to retire. Milwaukee WI Bogleheads
Boglehead Basics and the IPS (PowerPoint) Peter Foley
The Bogleheads community: an introduction (Powerpoint)
  • Who are the Bogleheads?
  • Who is John C. Bogle?
  • Bogleheads’ Investment Philosophy
 Use the presentation in full screen mode (some PowerPoint are animated). siamond
Bogleheads' Guide to Retirement Planning

Available as:PowerPoint, PowerPoint
Spreadsheet source for graphs: Excel

  • What is a Boglehead?
  • Investment plans
  • Investing concepts
  • Income needed for retirement
  • Withdrawal strategies
 Chapter 1 of the Bogleheads' Guide to Retirement Planning

Neither Google PowerPoint nor its PowerPoint viewer render the content accurately. Use the viewers as a guide, then download the PowerPoint file.
Most of the PowerPoint contain embedded notes. Be sure they are visible.

Peter Foley
Bogleheads Investment Philosophy

Available as: PowerPoint

Open for anyone to edit. No login required. Barry Barnitz
Credit Scores

Available as: PowerPoint

  • The high cost and risks of bad credit
 A few PowerPoint which show how your payment changes when you don't have good credit. Intended for high school students. sls239
Glide Path and Target Retirement Date Fund Primer

Available as: PowerPoint

  • Asset Allocation
  • Glide path
  • Target date funds
  • Comparisons and considerations
  • Alternative glide paths
 Covers both Vanguard and Fidelity funds. MN Bogleheads
S&P 500 index

Available as: PowerPoint

Open for anyone to edit. No login required. Barry Barnitz
Long Term investing

Available as: PowerPoint
Accompanying Handout: Doc File

  • Asset Allocation
  • Diversification
  • Tax Considerations
  • Asset Classes
  • Saving/Budgeting
 Google's viewer will not display the slide content correctly.

PowerPoint 19 through 23 do not display correctly in LibreOffice Impress.

Steve Thorpe
Understanding Taxes

Available as: PowerPoint

  • Marginal Tax Rates
  • Accumulation Considerations
  • Withdrawal Considerations
 Covers:
  • Rates and Sources of Income, Marginal Rates and tax brackets
  • Advantages of deferred accounts, asset placement for maximum efficiency
  • Withdrawal phase: Pre Social Security, Post Social Security
 Peter Foley
Withdrawal Methods 101

Available as: Powerpoint

Covers:
  • Basic Mechanics and Charts
  • Fixed and Variable Methods
 siamond
Introduction to Index Funds

Available as: Powerpoint

Covers:
  • What is an Index?
  • What is an Index Fund?
  • Active vs. Passive Funds
  • Investigating Funds
 siamond
Introduction to Asset Allocation

Part 1 Available as: Powerpoint

Covers:
  • Goals, Fears and Risks
  • Stocks vs. Bonds
  • Domestic vs. International
 siamond
Introduction to Asset Allocation

Part 2 Available as: Powerpoint

Covers:
  • Rebalancing
  • Factor Investing
  • International and Emerging
  • Special Markets
  • Types of Bonds
 siamond
Treasury Inflation Protected Securities (TIPS)

Available as: Powerpoint

Presentation Goals:
  • Education only
  • Objectivity
  • Clarity
 Covers:
  • How TIPS work
  • Arguments for TIPS
  • Arguments against TIPS
  • Buying TIPS
 Metro-Boston Bogleheads
Time Value of Money: a Short Introduction

Available as: Powerpoint

Covers:
  • Calculating Forwards
  • Calculating Backwards
  • Social Security Considerations
 siamond
2018 Individual Income Taxes

Available as: Powerpoint

Covers:
  • PART I: Income Tax Basics
  • PART II: What’s Changed For 2018?
 Metro-Boston Bogleheads
Required Minimum Distributions (RMDs)

Available as: Powerpoint

Covers:
  • What are RMDs
  • Calculating RMDs
  • Taxation of RMDs
  • Integrating RMDs into Your Finances
 Metro-Boston Bogleheads
Rebalancing: staying the course with your target Asset Allocation

Available as: Powerpoint

Covers:
  • Rebalancing basics
  • When to rebalance
  • Short summary of rebalancing blog study
 Metro-Boston Bogleheads

Medical professionals

Below are the forum member contributions for medical professionals. The table can be sorted by clicking on the appropriate heading.

Bogleheads Forum Contributions for Medical Professionals
Title Topics Comments Contributor
Personal Finance for Resident Physicians

Available as: PowerPoint

  • Life insurance
  • Disability insurance
  • Home ownership and mortgages
  • Asset protection
  • Taxes
  • Why doctors don't get rich
  • Investing
 zzcooper123
Financial Literacy for Medical Professionals Talk #1 of 3

Available as: PDF PowerPoint

  • Live below your means
  • Buy disability insurance (the focus of today’s talk)
  • Start an emergency fund
  • Determine a loan repayment strategy
  • Open a Roth IRA (if at all possible)
  • Begin to contribute to your 401k (icing on the cake if you can manage to do all of the above on your resident/fellow salary!)
 Download from the File --> Download menu. Neurosphere
Financial Literacy for Medical Professionals Talk #2 of 3

Available as: PDF PowerPoint

  • Tax code basics
  • Why does one need to invest at all?
  • The benefits of contributing to retirement accounts vs. taxable accounts
  • Introduction to the major asset classes (stock, bonds, etc)
  • Risk/volatility vs. reward/return
  • How investor psychology and behavior leads to poor investment performance
  • Constructing a diversified portfolio
 Download from the File --> Download menu. Neurosphere
Financial Literacy for Medical Professionals Talk #3 of 3

Available as: PDF PowerPoint

  • What is retirement? Why would I ever want to retire?
  • How do I figure out how/when I can retire?
  • How much do I need to save each year in order to achieve my goals?
  • Why minimizing your investment costs are critical
  • How to find and interpret the cost of your investments (and your investment professional)
  • Why indexed mutual funds (aka passive funds) outperform actively managed investments
  • Do you need an investment advisor (most people don’t)
  • How/where to get help (if you feel you need it)
  • Pros and cons of various ways one can get financial help (financial planner, investment advisor, stock broker, insurance salesperson, etc.)
 Download from the File --> Download menu. Neurosphere

US Military

The first six months of forum member Nords' blog The-Military-Guide.com were used to create his book, The Military Guide to Financial Independence and Retirement.[2] The blogs can be found in the chronological index at Post titles by month, and the applicable posts are from September 2010 - March 2011, with a few diversions for other topics.

The top three blogs for military basic financial literacy (Marines & other services) would be:

  1. Where to put your savings while you’re in the military
  2. Tailor your investments to your military pay and your pension
  3. Saving base pay and promotion raises

Another military financial literacy tool is the Total Pay iPhone/iPad app developed by Marine 1LT Matt Pagan at Total Pay. A review can be found at Total Pay: How much will your next paycheck be?. It covers active-duty & Reserve pay tables as well as federal civil service.

Below are the forum member contributions. The table can be sorted by clicking on the appropriate heading.

Bogleheads Forum Contributions for US Military
Title Topics Comments Contributor
Military Financial Independence and Retirement

Available as:Docs

  • Get ready
  • The process
  • The "fog of work"
  • Frugal living is not deprivation
 A hand-out which discusses how to get ready for financial independence. Nords
Personal Financial Management Basics for U.S. Military

PowerPoint presentation available from:

  • Assessment - Where am I now?
  • Goal setting - Where do I want to go?
  • Planning – How do I get there?
  • Budget
  • Organize
  • Debt & Credit
  • Adequate Protection (Insurance)
    • General
    • Property (Home/Renters, Car)
    • Liability
    • Death
    • Disability
    • Health
    • Long-term care (LTC)
  • Tax planning
  • Saving & Investment Planning
  • Retirement planning
  • Estate planning
  • Execute (the plan)
  • Monitor / Reassess
 This PowerPoint presentation is a comprehensive 70-slide overview of the basics of financial management for U.S. military servicemembers. It was created in 2012 by retired Marine Mark Hensen and may be freely shared.

Because it covers so many topics, you may wish to edit your own copy for a shorter seminar. You'll also need to update some PowerPoint for new contribution limits or changes to the Roth Thrift Savings Plan.

See: Mixed plate: Tricare, “back pay” issues, early Reserve & Guard retirement (scroll down to Free PowerPoint presentation for basic financial management training), June 27, 2013.

Nords
Military Saves Week 2015 Investing for the future

PowerPoint presentation available from:

  • When can I retire?
    • Pay scale examples supplied.
  • Thinking about getting out? Plan for it.
  • How much do I need?
  • How do I invest?
    • Keep costs low
  • What about Social Security?
  • Just tell me what to do.

A PowerPoint presentation for Military Saves Week (part of America Saves). It applies to all of the military services and all ranks, and has been used in military training seminars.

Each slide contains a Notes section for the instructor.

Nords
(Created by aaronmagan1)

Website resources

See also

References

  1. ↑ President’s Advisory Council on Financial Literacy, 2008 Annual Report to the President
  2. ↑ See: Help create a Financial Presentation: Calling all Bogleheads, direct link to post.

External links

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