Bonus Lesson: Stash101 Fantasy Investing
Secondary, Unit 1: Stash101 Rollout, Bonus Lesson
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Stash101 Fantasy Investing App Fantasy Investing Slides

Bonus Lesson: Stash101 Fantasy Investing

Learning Objective:

Students will learn to diversify their portfolios and be able to compare and contrast fantasy football with fantasy investing.

SEL Competency: Responsible decision-making

Pre-work:

Intro to Fantasy Investing vs. Fantasy Football (5 min)

Slide: Who is your favorite sports team?

Ask: Who is your favorite sports team? (If the majority of your students are into hockey, soccer, basketball, etc., ask about that.)

Round robin—have students share out their favorite sports teams.

Ask: Does anyone know how fantasy football works? 

Have a few students respond to paint a general picture. 

Slide: Fantasy Football vs. Stash101 Fantasy Investing

Say: We’re going to play a game in our class called Stash101 Fantasy Investing. The game is similar to fantasy football, but instead of drafting players to your team, we’ll be drafting a simulated, diversified investment portfolio. You’ll compete against others and check the leaderboard to see where you stand. And if our class wins, fantastic!

Investing 101 (15 min)

Slide: How do people plan for their financial future? 

Ask: How do people plan for their financial future? 

Have students share out a few ideas (e.g., investing, cash, retirement accounts, etc.) 

Slide: What’s the difference between saving and investing? 

Ask: Does anyone know the difference between saving and investing? 

Say: “Saving” is when you set aside money for a goal or emergency fund. “Investing” is when you work to make your money work for you—and attempt to make more money—usually by purchasing assets that you think will increase in value over time. Investing can make you money, but it is also risky and can cause you to lose money. 

Slide: Invest to put your money to work

Say: Investing is a way to try to make money using the money that you already have. People buy different investment vehicles with the hope that they’ll earn more money than they would on the interest rate in their savings account. Historically, the stock market has an average return rate of 8-10%, whereas a savings account has an average APR of 0.06%. So the stock market, while still being risky, could grow your money more over time than leaving all of your money in your savings account. 

Slide: What are the different types of investments?

Say: There are historically three main types of investments. 

  • Stocks. You buy a small percentage of a company in hopes that the company continues growing and is worth more in the future. So for example, you might buy stock in Nike, Disney, or Tesla. 
  • Bonds. You purchase debt for a company or government. 
  • Funds. You acquire a mix of stocks, cash, and bonds. 

Some other types of investments include real estate, commodities, and even cryptocurrencies which are decentralized digital currencies that you can invest in.

Slide: What is diversification? 

Ask: Does anyone know what it means to diversify your investments? 

Have students share out a response or two. 

Slide: You’ve heard the phrase…

Say: You’ve heard the phrase, “Don’t put all your eggs in one basket.” But did you ever hear the second part of that phrase? “If you drop the basket, you’ll break all the eggs.” Diversification means you’re not putting all your eggs in one basket—so you can better weather the stock market’s ups and downs. For example, if you bought only technology stocks or stocks in the energy industry, you’d be putting all your eggs in one basket. If tech stocks experienced trouble, or the energy industry suddenly had to deal with a natural disaster, it’s likely the stocks in those industries would all decline—and you could lose more money than if you were diversified.

Slide: We’re ready to get started…

Say: Now that we’ve learned a little about investing and diversifying, let’s take a look at the Stash101 Fantasy Investing app. Let’s draft a new fantasy investment team for the class. Then, we’ll play against everyone in the game to compete. If we place in the top ten on the leaderboard when the game concludes at the end of the week, we’ll win! 

Let’s take a moment now to see what the app looks like. 

Either go through the slides or share your phone screen with students. 

Choosing Your Investments (10 min)

Slide: Draft a winning investment team

Say: Now let’s talk about each type of investment we’ll be choosing. Let’s do a trial round and pick what we know. Then the following week we can debrief and discuss what to invest in for future games. 

Slide: Let’s monitor the leaderboard!

Periodically check your class’s investments with your students throughout the week if you see them multiple times a week, and share the leaderboard. 

Disclosure:

This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. No part of this material may be reproduced in any form, or referred to in any other publication, without express written permission. Nothing contained herein is intended to be, nor shall it be construed as, investment advice, nor is it to be relied upon in making any investment or other decision.

Stash101 is offered solely for educational and informational purposes and is provided free of charge. Stash101 content is provided as general information only. While Stash101 is affiliated with Stash Investments LLC (“Stash RIA”), an SEC registered investment adviser that charges fees, Stash101 is not an investment adviser and is separate and apart from Stash RIA. Stash101 content is not intended as investment advice and should not be relied upon in making any investment decisions.