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!