It’s easy to think of a savings account as the safest place to keep your money. No risk. No surprises. No stress.
But here’s the catch: inflation quietly eats away at your money’s value. If your savings aren’t growing at a rate that keeps up with rising prices, typically around 2%, you’re losing money over time.
That’s why long-term investing matters. It’s not just for wealthy people or financial experts. It’s for anyone who wants to turn today’s dollars into tomorrow’s possibilities.
Edge Factor’s Financial Literacy course gives students the tools to understand risk, returns, investment types, and the power of compounding interest.
Investing isn't just about chasing returns. It’s about using time, discipline, and the right strategies to build lasting financial freedom.
A long-term investment strategy protects you from emotional decision-making, allows you to ride out market volatility, and gives your money time to grow. Even small, consistent contributions can add up significantly through compounding returns.
“Time is what gives compound interest the ability to work well. The younger you start, the easier it will be and the better results you will get.” — Andrew Devisser, Author of A Blacksmith’s Guide to Financial Freedom and host of the Financial Literacy series.
It’s not about timing the market. What matters most is the amount of time you stay invested in it.
Markets rise and fall. Volatility means things can change quickly and unpredictably. Risk is the chance you could lose money. Understanding both is essential to building a strategy that works.
Putting money into a savings account might feel secure. But if you’re not earning more than inflation, you’re losing purchasing power every year. Long-term investing is how you stay ahead financially.
Compounding returns let your money earn interest on top of interest. For example, investing $200 a month with an 8% return starts small, but over time it builds serious momentum. Time does the heavy lifting in growing wealth.
Students learn about GICs, bonds, stocks, mutual funds, and index funds. They explore the pros, cons, and risk levels of each. This helps them make informed choices that match their financial goals.
Passive income is money you earn without actively working for it. Examples include rental income, dividend-paying stocks, or royalties.
This concept matters because the goal of investing isn’t only saving for retirement. It’s also about building financial freedom. With the right long-term investments, students can grow income streams that support their future and reduce dependence on traditional work.
In Unit 5 of Edge Factor’s Financial Literacy course, students gain a real-world understanding of how volatility and inflation impact their money. They learn the power of compounding over time, how to evaluate different investment options, and how passive income fits into a long-term financial plan.
Through short videos, interactive activities, and thought-provoking questions, students explore these concepts in ways that are engaging and easy to apply.
Educators and parents receive ready-to-use lesson plans, student worksheets, and guided discussions. These tools help bring investing lessons into the classroom or homeschool environment and inspire students to think big about their future.
The Investment lesson is the fifth of nine lessons that cover lessons on Why Financial Literacy is Important, budgeting, the difference between income and wealth, creative saving and more.
There’s no perfect time to start investing. The longer you wait, the harder it becomes to catch up. Helping students understand how to grow their money is one of the most empowering financial lessons we can offer.
With the right tools and the right mindset, long-term investments become not just a financial concept but a practical path to freedom and confidence.
Want to help your students or children build investing confidence now?
Book a demo to explore how Edge Factor’s Financial Literacy course equips students with the knowledge to start investing wisely and early.
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