TAILIEUCHUNG - THE FACTS ON SAVING AND INVESTING: Excerpts from recent polls and studies highlighting the need for financial education

Sit down and take an honest look at your entire financial situ- ation. You can never take a journey without knowing where you’re starting from, and a journey to financial security is no different. You’ll need to figure out on paper your current situ- ation—what you own and what you owe. You’ll be creating a “net worth statement.” On one side of the page, list what you own. These are your “assets.” And on the other side list what you owe other people, your “liabilities” or debts | THE FACTS ON SAVING AND INVESTING Excerpts from recent polls and studies highlighting the need for financial education Office of Investor Education and Assistance Securities and Exchange Commission Revised April 1999 The Facts on Saving and Investing In early 1998 government agencies consumer organizations and financial industry groups throughout the Western Hemisphere launched the Facts on Saving and Investing Campaign. This ongoing educational effort aims to motivate individuals to learn how to save and invest wisely. The campaign s slogan Get the facts. It s your money. It s your future. captures why a solid grounding in financial fundamentals makes such a tremendous difference in the quality of life for any individual and any nation. In the United States numerous studies and surveys show that many Americans especially young adults fail to comprehend the financial basics. Many do not understand how our securities markets work how to evaluate the risks and rewards of investment products and how to calculate what they need to save for retirement. Far too many individuals may needlessly struggle in retirement or never attain their other financial goals simply because they were never exposed to the financial facts of life. Some may suffer financial shocks and losses because they do not realize that our financial markets can go down as well as up. This report summarizes some of the essential facts about saving and investing in the United States from polls and studies conducted by our campaign partners and others. It highlights the reasons why so many have joined forces to undertake this important campaign to improve the financial life of every American. For those who wish to delve more deeply into the subject this report provides a list of resources for further exploration. With so many excellent resources within the reach of Americans our campaign focuses on putting educational materials in their hands. With this campaign we want Americans to avoid the heartache and

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