Session 7 · Money, Values & You
Investing
Making your money work — so you don't have to work forever
6th Grade Financial Literacy · 90 minutes
What is investing Risk vs. reward Halal screening Ethical investing
Today's Plan
Here's What We're Doing
- $100 now or $200 in a year? (5 min)
- What is investing (15 min)
- Risk vs. reward + diversification (15 min)
- Halal Stock Screen activity (20 min)
- How stocks work (15 min)
- Journal (10 min)
- Recap & preview (10 min)
Knowing the plan = no surprises
Opening Hook
$100 Now vs. $200 in One Year
Which would you take?
$100 NOW
Certain. Immediate. In your hands today.
$200 in 1 YEAR
Double the money — but you have to wait.
Your answer reveals how you think about time and money. That's investing.
Lesson 1 · What Is Investing?
Planting Money
- Saving = keeping money safe. Investing = making it grow.
- You put money into something expecting to get more back later
- You're not spending — you're planting
Stocks
Ownership in a company
Real Estate
Property that grows in value
Businesses
Funding ventures that grow
Lesson 1 · Saving vs. Investing
What's the Difference?
Saving
- Safe — low risk
- Predictable — slow growth
- Good for short-term goals
Investing
- Some risk involved
- Higher potential growth
- Good for long-term goals
Both matter. Savings = safety net. Investing = growth engine.
Lesson 2 · Risk vs. Reward
Higher Risk = Higher Potential Reward
Low Risk
Savings account: 2%/year — safe, predictable, slow
Medium Risk
Established company stock: 7–10%/year average — some ups and downs
High Risk
New startup: could 10× OR lose everything
Lesson 2 · Diversification
Don't Put All Eggs in One Basket
If you put ALL your money in ONE company — and it fails — you lose everything.
Spread across many investments = if one falls, you still have others.
This is called diversification — the most important rule in investing.
Brain Break
Stand Up!
Name a company you use every day.
Would you want to own a tiny piece of it?
Tell your neighbor. 30 seconds!
Halal Stock Screen Activity
Screen These 10 Companies
Mark each: INVEST or SKIP
ApplePepsiAirbnb McDonald'sToyotaNetflix J&JMarriottAmazonLululemon
Skip if: alcohol · gambling · Riba-based finance · adult content · weapons
Keep if: tech · clothing · vehicles · healthcare · ethical food/travel
8 minutes — debate with your group!
Activity Debrief
Which Ones Caused Debate?
- Amazon — sells everything, including alcohol. Skip or keep?
- Netflix — content includes mature themes. Skip or keep?
- McDonald's — has halal options in some markets. Pass or fail?
- Pepsi — owns alcoholic beverage brands. What now?
Gray areas are the lesson.
Ethical investing requires research, judgment, and intention — not just a checklist.
Lesson 3 · How Stocks Work
You Own a Piece
- A stock = tiny ownership share in a company
- If company grows → your share grows in value
- Some companies pay dividends — a share of profits to owners
- If company shrinks → your share shrinks too (that's the risk)
You're not just investing money — you're becoming a part-owner of a business.
Lesson 4 · Halal Investing
Investing with Intention
Avoid
Alcohol · Gambling · Riba-based banks · Adult content · Weapons manufacturing
Seek
Ethical businesses · Profit-sharing models · Real assets · Community benefit
Your investment is your vote. Where you put money shapes what the world builds.
Journal Time
Take 8 Minutes...
"If you had $500 to invest for 10 years and couldn't touch it, what would you invest in and why? What would you avoid?"
- Think about: risk, ethics, growth potential
- Apply the halal screen to your choices
- No wrong answers — explain your reasoning
Session 7 · Wrap Up
What We Learned Today
Investing = making money grow. Saving = keeping it safe.
Higher risk = higher potential reward. Spread the risk.
A stock = tiny ownership share in a company.
Halal screening = investing with intention and ethics.
Gray areas require research, judgment, and intention.
NEXT WEEK: FINAL SESSION — Zakat, Sadaqah, and your personal financial plan!