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Reality Check Kids _ Investing _PDF_

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					                                    Reality Check




                                    Helping Children Understand the
                                    World of Investing
                                    Resources to help you start the conversation

                                    Setting the right example for your children is one of your biggest
                                    responsibilities as a parent. Do you want your children to eat their
At a glance                         veggies? Make sure they see you eating yours. Do you want them to
                                    exercise? Go outside and play ball with them.
Your kids are looking to you as     The same holds true when it comes to financial skills − budgeting, saving
an example of good financial
behavior.                           and investing. Your kids are looking to you as an example. According to
                                    a study by Teenage Research Unlimited, 71% of teens say they learn
                                    about money management from their parents, while only 35% reported
Parents need to actively include    learning about the topic in school.1
their children in financial
conversations.
                                    What kind of example are you setting for your kids when it comes to
                                    money management? In today’s world of direct-deposited paychecks,
The resources listed may help       online bill paying and credit cards, money is largely invisible. Even if
you talk to your children about
money.                              you have good money-management habits, your kids won’t realize that
                                    fact if you don’t talk to them about it. Parents need to actively include
                                    their children in financial conversations to ensure they understand the
When it comes to establishing       budgeting, saving and investing that go on behind the scenes.
good habits, it’s never too early
to start.
                                    If you’re looking for a way to start that conversation, the resources listed
                                    here may give you a head start.

                                    Remember, when it comes to establishing good habits, it’s never too
                                    early to start.


                                    Web resources
                                    • Jump$tart Coalition for Personal Financial Literacy
                                      www.jumpstart.org
                                      Jump$tart is a national coalition of organizations dedicated to
                                      improving the financial literacy of kindergarten through college-age
                                      youth by providing advocacy, research, standards and educational
                                      resources.
                                    • Money Savvy Generation
                                      www.moneysavvygeneration.com
                                      Money Savvy Generation develops innovative products to help
                                      parents, educators and others teach kids the skills of basic personal
                                      finance.
                                    • The Motley Fool
                                      www.fool.com/teens/teens.htm
                                      The well-known financial education company features a section on its
                                      website that teaches teenagers about saving and investing.
                                    • National Council on Economic Education
                                      www.ncee.net
                                      The National Council on Economic Education is a nationwide network
                                      that promotes economic literacy with students and their teachers.
                    • National Endowment for Financial Education
                      www.nefe.org
                      The National Endowment for Financial Education is an independent, nonprofit foundation
                      committed to educating Americans about personal finance. Among its offerings is the NEFE High
                      School Financial Planning Program®, a free financial education program designed for high school
                      students interested in learning and applying personal finance skills.
                    • Yahoo! Finance
                      http://finance.yahoo.com/how-to-guide/family-home/12820
                      From Yahoo! Finance, Teach Your Children the Value of Money is an online how-to guide that offers
                      parents age-specific teaching tools.


                    Books for parents
                    • Wow The Dow!: The Complete Guide to Teaching Your Kids How to Invest in the Stock Market
                      by Pat Smith and Lynn Roney
                    • Raising Money Smart Kids: What They Need to Know about Money and How to Tell Them
                      (Kiplinger’s Personal Finance) by Janet Bodnar
                    • Money Doesn’t Grow On Trees: A Parent’s Guide to Raising Financially Responsible Children
                      by Neale S. Godfrey, Carolina Edwards and Tad Richards


                    Books for kids
                    • Growing Money: A Complete Investing Guide for Kids by Gail Karlitz
                    • The Motley Fool Investment Guide for Teens: 8 Steps to Having More Money Than Your Parents
                      Ever Dreamed Of (Motley Fool) by David Gardner, Tom Gardner and Selena Maranjian
                    • The Everything Kids’ Money Book: From Saving to Spending to Investing − Learn All About Money!
                      (Everything Kids Series) by Diane Mayr


                    Talk to your financial advisor
                    One of the best ways to help reach your goal is to partner with a strong team: a financial advisor
                    who can provide sound guidance based on your individual needs and an investment company that
                    can deliver a broad range of diversified strategies. Talk to your financial advisor about how an
                    investment plan and Invesco Aim can help you pursue your financial goals.




                    1 Source: Teenage Research Unlimited, “Teens Cautious, but Curious, about Credit Cards,” Nov. 22, 2004
                      Invesco Aim is not affiliated with any of the resources mentioned. The resources listed are for informational purposes only.
                      This does not constitute investment advice.




Consider the investment objectives, risks and charges and expenses carefully. For this and other information about AIM funds,
obtain a prospectus from your financial advisor and read it carefully before investing.
  Note: Not all products, materials or services available at all firms. Advisors, please contact your home office.
   Invesco AimSM is a service mark of Invesco Aim Management Group, Inc. Invesco Aim Advisors, Inc., Invesco Aim Capital Management, Inc., Invesco Aim Private Asset
Management, Inc. and Invesco PowerShares Capital Management LLC are the investment advisors for the products and services represented by Invesco Aim; they each
provide investment advisory services to individual and institutional clients and do not sell securities. Please refer to each fund’s prospectus for information on the fund’s
subadvisors. Invesco Aim Distributors, Inc. is the U.S. distributor for the retail mutual funds, exchange-traded funds and institutional money market funds represented by
Invesco Aim. All entities are indirect, wholly owned subsidiaries of Invesco Ltd.
invescoaim.com      RCKID-FLY-1 12/08                       Invesco Aim Distributors, Inc.
Supplemental Information

As of Sept. 30, 2009, Invesco Aim’s assets under management were approximately $157 billion and Invesco Ltd.’s assets under
management were approximately $417 billion.




Consider the investment objectives, risks, and charges and expenses carefully. For this and other information
about AIM funds, obtain a prospectus from your financial adviser and read it carefully before investing.
  Note: Not all products, materials or services available at all firms. Advisers, please contact your home office.
   Invesco AimSM is a service mark of Invesco Aim Management Group, Inc. Invesco Aim Advisors, Inc., Invesco Aim Capital Management, Inc.,
Invesco Aim Private Asset Management, Inc. and Invesco PowerShares Capital Management LLC are the investment advisers for the products
and services represented by Invesco Aim; they each provide investment advisory services to individual and institutional clients and do not
sell securities. Please refer to each fund’s prospectus for information on the fund’s subadvisers. Invesco Aim Distributors, Inc. is the U.S.
distributor for the retail mutual funds, exchange-traded funds and institutional money market funds represented by Invesco Aim. All entities
are indirect, wholly owned subsidiaries of Invesco Ltd.
   It is anticipated that on or about the end of the fourth quarter of 2009, Invesco Aim Advisors, Inc., Invesco Aim Capital Management, Inc.,
Invesco Aim Private Asset Management, Inc. and Invesco Global Asset Management (N.A.), Inc. will be merged into Invesco Institutional
(N.A.), Inc., and the consolidated adviser firm will be renamed Invesco Advisers, Inc. Additional information will be posted at invescoaim.com
on or about the end of the fourth quarter of 2009.

invescoaim.com    AIM-INS-2 10/09    Invesco Aim Distributors, Inc.

				
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