World Merit & DriveWealth

FINANCIAL LITERACY Challenge

CREATING A SUSTAINABLE YOU

PARTICIPANTS GUIDEBOOK
AUGUST & SEPTEMBER 2015
1) The Challenge
2) Instructor Lesson Plan Outline
3) Tips for Instructors
4) Strategic Outreach

The Challenge
Make a Difference
Financial security lies at the heart of personal sustainability, right up there with healthcare and adequate nutrition.
Without adequate financial resources, individuals have reduced or no access to lifes basic necessities: food,
clothing, shelter, education, and medical care.
The road to financial security begins with financial literacy: a basic understanding of personal finance and how
investing can allow individuals to build wealth and save for their financial futures. Increased financial stability and
personal sustainability lead to realizing greater human potential and better social outcomes and financial literacy is a
stepping stone. Becoming financial literate and achieving personal sustainability will help you as you strive to enact
changes in response to global socio economic issues. But most people have no access to even basic personal
financial education. Thats where the DriveWealth-World Merit Financial Literacy Challenge comes in.

The Challenge
The Financial Literacy Challenge seeks to have World Merit members first educate themselves on the basics of
personal finance and investing, and then to pass on that knowledge to members of their local communities. The final
product will be a video of you presenting your newfound financial knowledge to your communities.

So the challenge consists of three clear steps:

1) Learn.
Before educating your community, it is important to educate yourself. DriveWealth has developed a learning program
Save, Plan, Invest which you must understand and complete before implementing it in your community. It is crucial
that you fill in DriveWealths quiz on the World Merit site. Without filling in this quiz, you are not eligible to win.
If you want to learn more about financial literacy, we recommend that you watch the course material provided by
DriveWealths partner Wall Street Survivor. Because the judging criteria is based on the content of the workshop, we
recommend learning as much as you can before putting it to practice! Note: completing these courses and taking a
screenshot on your computer of the 8 badges that you receive in these courses, provides you with bonus points.
2) Develop.
After you have educated yourself, it is time to develop your strategy for your workshop. Find a venue, plan a session
and locate your audience.
3) Pay It Forward.
Give your workshop to the biggest audience possible. Pass on the knowledge you have gained on the courses. Pay
it forward. Note: it is crucial that you record your session. You need to provide video-evidence of the workshop.

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The Challenge
Judging Criteria
Members will be judged on the following:
1) Completed DriveWealths quiz on the site on Financial Literacy.
2) Quality of the workshop provided and the accuracy of the content of the workshop material. This will be judged
upon the video footage of the members workshop.
3) Impact of the workshop provided, i.e. how many people have participated in the members workshop, how many
people has it reached and what was the positive feedback or learning people had on the workshop?

Rewards

#1: The member that pays it forward (i.e. teaches and reaches) to the most people will be eligible for a paid
internship at DriveWealth during the summer of 2016 (costs of travel and lodging will be covered by DriveWealth).
Runners-Up: Other members can earn the DriveWealth Challenge badge.
The member that pays it forward (i.e. teaches and reaches) to the most people will be eligible for a paid internship
at DriveWealth during the summer of 2016 (costs of travel and lodging will be covered by DriveWealth). Other Fellows
can earn the DriveWealth Challenge badge.
The courses can be found under Take Action on the World Merit Platform. The courses start from August 5th. Until
then, why not try some free courses out from Wall Street Survivor, to get yourself familiar with it?
The final video submissions will be due by September 30, 2015.

About the DriveWealth Summer Internship

DriveWealth conducts an 8-week summer internship from mid-June to mid-August. Interns are assigned projects in
teams based on current DriveWealth business needs. Past projects have included developing a global database of
potential business partners to expand DriveWealths reach; researching securities regulatory requirements for global
jurisdictions; writing educational content for the DriveWealth site and app; and conducting audits of DriveWealths
securities pricing execution. Interns also participate in daily morning market reviews conducted by Brian Dolan,
DriveWealths Head of Financial Education. The morning reviews focus on economic data, monetary policy,
discussions of current global themes and upcoming events, and technical analysis of major international markets.
Two off-site trips to New York City are held, including visits to the NY Federal Reserve Bank and the New York Stock
Exchange, and other notable NY sites. Interns are typically college students and receive a stipend for the duration of
the internship.

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Instructor Lesson Plan Outline:

Key Takeaways
Now that youve completed the DriveWealth (and maybe Wall Street Survivor Educational Courses), youre hopefully
feeling more financially knowledgeable. Youre probably not an investing expert yet, but you now know a lot more
than the people youre going to educate and empower.
Here are some key takeaways to help you design your plan to pass on financial knowledge. This outline is intended
to guide your presentations, but youll need to fill in the blanks and make it real for your audience. Feel free to
present other topics or themes you think are important or you found the most interesting. Design your presentation to
appeal to the real-world circumstances of your audience.

Planning: Make a plan to achieve your goals in life and become Money Savvy

Set goals--Design a roadmap for yourself so you know what you are working towards

- Long-term/Short-term goals; give real-life examples
Think about how much risk you are willing to take with your investments.

- Higher risk can mean a bigger reward, but it can also mean greater loss.
Know your time horizon-how long you have to invest

- Your goals will mostly decide your time horizon

- Be aware of the financial commitments you need to meet tomorrow and in the future

Saving: Learn to embrace saving as a culture, a lifestyle, a habit.

Make saving a way of life

Try not to think of it as an option but as a necessity(10% of your gross annual income may be a good target)
Make a habit of putting money into your bank account each month.
Know where your money is coming from and where its going
Money ingive examples your audience can relate to
Money out-give examples your audience can relate to
Analyze your spending habits to find money that you can save and invest
Create a budgeting plan
Make saving part of your budget
The money you save is money you can invest and grow
The key is to stick to a budget and monitor your progress
--> Check out DriveWealths Budgeting Calculator
Devising an investment strategy to grow the wealth you have saved
What can you invest in? Describe the different types of investments

- Stocks

- Discuss what a stock is and the different ways to make (or lose) money investing in them

- Explain the pros/cons of stock investing

- Bonds

- Explain what a bond is how its different from stocks

- Touch on different ways to invest in bonds

- ETFs

- Explain what ETFs are and give examples

- Explain advantages and costs of using ETFs Asset Allocation: Explain why it is important to invest

in different asset classes, i.e. diversification as a means of risk management; dont put all your eggs

in one basket.

Investing:

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Tips for Instructors:

How to Reach Your Audience
Here are some ideas to improve your communication skills to have the greatest educational impact.

Rehearse your presentation in advance

Rehearse your presentation in advance (no, thats not a typo)

Maintain eye contact; be confident

There is a degree of showmanship to teaching

You are a knowledgeable professional. Strive to project that image at all times

Connect to your audience, use ideas or stories that your audience can relate to

Use specific examples; resist generalization

Be open minded and acknowledge difference of opinions

Value team-building activities: split your audience into groups and make a budget

Facilitate class/group discussion. This allows students to learn from each other

Consistent feedback - be able to give and receive

Rehearse your presentation in advance

Have Fun!

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Strategic Outreach
Now that youve completed the educational material from DriveWealth and Wall Street Survivor, its time to pay it
forward! Here are some suggestions for audiences and delivery. Remember, once you video yourself passing on your
financial knowledge, you become eligible for an internship at DriveWealth in the US for summer 2016!

Prospective Audiences: There are different groups and establishments throughout the world where
you can teach financial literacy

Schools (Grades 5-12)

Community/Junior Colleges

Community Centers

Youth Groups (Boy/Girl Scouts; Boys/Girls Clubs)

Webinars, seminars, in-home education, etc. (Education Consulting)

Online Communities - forums, chat rooms, blogs, etc.

Investment/Finance Clubs

Church Groups

Hospital Schools

Military Groups/Families

Career Fairs/Workshops

Presentation Tips: Here are some suggestions to aid you in communicating your material

Computer
Generic PowerPoint that demonstrates the power/benefit of investing
Only use a few bullet points on each slide (3-4; dont overwhelm viewers)
Keep individual slide data to a minimum (concise statements)
Provide ample visual reinforcement (e.g. chart showing the effects of compounding)
Make sure to present the why of investing, not only the how
The goal is to intrigue/inspire, not to get in depth with the technicals
Include section that addresses the common misconceptions that exist about investing
Make sure presentation is available online
Blackboard/Whiteboard/Flip charts/Large poster boards
Generic brochures/handouts that highlight the majority of the information in the PowerPoint, so that the
audience can easily follow along with and analyze the numbers given in the presentation
Refer to DriveWealths educational section for additional lessons and topics
Simple/metaphorical investment props to demonstrate and provide imagery about how investing your money
can result in positive dividends
Include incentive-based participation games encouraging audiences to ask questions, participate, and
stimulate interest
Periodically ask questions throughout presentation
For Young Audiences: Use the savings calculator at drivewealth.com/savings-calculator/ to show them how
much money they could save over the course of a year if they were to save their allowances, for example.
For Older Audiences: Introduce the cash flow calculator on DWs platform to show the audiences a more in-
depth version of their hypothetical, financial capabilities.

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