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Arkansas Brighter Future Investing 529 Plan

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Your child has a bright future. Help them achieve it with an Arkansas 529 plan.

No matter what your education savings goals may be, the Arkansas Brighter Future 529 Plan can help you get there.

How it Works Begin a brighter future now.

1

Open an Arkansas Brighter Future 529 account & select the investment plan that's right for you.

2

Every contribution counts. Contribute anytime or set recurring contributions to make saving automatic.

3

Your savings can be used at a variety of eligible educational institutions for tuition, books, fees, and more! ¹

How it Works Your Account for education savings

Open an Arkansas Brighter Future 529 account & select the investment plan that's right for you.

Every contribution counts. Contribute anytime or set recurring contributions to make saving automatic.

Your savings can be used at a variety of eligible educational institutions for tuition, books, fees, and more! ¹

Tax-free education savings means more potential.

With an Arkansas Brighter Future 529 Plan account, your savings has the potential to grow at a faster rate than if you had invested in a comparable taxable account. The plan offers several tax advantages that can help you save more for education.
Learn More

Manage your account anywhere, anytime, from any device.

Your Brighter Future account provides a highly rated mobile app that makes it easy for you to track progress towards your goals, make contributions, and invite friends and family to be part of your savings journey.

Try the new READYSAVE™ 529 mobile app

*As of January 31, 2022, READYSAVE™ 529 is the only mobile app that supports the Arkansas Brighter Future 529 Plan

Arkansas employers can receive a business tax deduction of up to $500 per employee match into an Arkansas Brighter Future 529 account.

Subscribe to our mailing list for more information

Learn more about Ascensus Broker Dealer Services, LLC on FINRA's BrokerCheck.

For more information about the Arkansas Brighter Future Direct Plan, call 1.800.587.7301 or click here to obtain a Program Description and Participation Agreement, which includes investment objectives, risks, charges, expenses and other information; read and consider it carefully before making an investment or sending money.

Please Note: Before you invest, consider whether your or the beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in that state's qualified tuition program. You should also consult your financial, tax, or other advisor to learn more about how state-based benefits (or any limitations) would apply to your specific circumstances. You also may wish to contact directly your home state's 529 college savings plan(s), or any other 529 plan, to learn more about those plans' features, benefits, and limitations. Keep in mind that state-based benefits should be one of many appropriately weighted factors to be considered when making an investment decision.

The Arkansas Brighter Future Direct Plan is a college tuition savings program sponsored by the State of Arkansas and administered by the Arkansas Section 529 Plan Review Committee ("Committee"). Ascensus Broker Dealer Services, LLC, the Program Manager, and its affiliates have overall responsibility for the day-to-day operations, including investment advisory services, recordkeeping, administrative services and marketing of the Arkansas Brighter Future Direct Plan. The Vanguard Group, Inc., serves as Investment Manager for the plan. The Arkansas Brighter Future Direct Plan's Portfolios invest in: (i) mutual funds; or (ii) an FDIC-insured omnibus savings account held in trust by the Committee at Sallie Mae Bank. Except for the Savings Portfolio, investments in the Arkansas Brighter Future Direct Plan are not insured by the FDIC. Units of the Portfolios are municipal securities and the value of units will vary with market conditions.

Investment returns will vary depending upon the performance of the Arkansas Brighter Future Direct Plan Portfolios you choose. Except to the extent of FDIC insurance available for the Savings Portfolio, you could lose all or a portion of your money by investing in the Arkansas Brighter Future Direct Plan, depending on market conditions. Account Owners assume all investment risks as well as responsibility for any federal and state tax consequences.

Not FDIC-Insured (except for the Savings Portfolio). No Bank, State or Federal Guarantee. May Lose Value.

© Arkansas Brighter Future Direct Plan. All Rights Reserved.

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No matter what your education savings goals may be, the Arkansas Brighter Future 529 Plan can help you get there. 1 Open an Arkansas Brighter Future 529 account & select the investment plan that's right for you. 2 Every contribution counts. Contribute anytime or set recurring contributions to make saving automatic.

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The Making Personal Finance Decisions curriculum teaches valuable personal finance lessons grounded in economic theory. The curriculum is divided into 10 themed units, with each unit containing two lessons. The twenty individual lessons employ a variety of teaching strategies designed to engage students in the learning process and equip them with the knowledge and skills necessary to make informed personal finance decisions.

Download the complete curriculum unit or individual lessons (.pdf). PowerPoint slides (.pptx) are provided for the lessons that have visual content.

* Complete Curriculum (pdf)

Unit One: Thinking Economically

Lesson 1A: The Wealth Game-Factors for Success
Students play "The Wealth Game" (based on "Market Exchange and Wealth Distribution: A Classroom Simulation" by Robert B. Williams, Journal of Economic Education, Fall 1993). Students are given an initial set of colored beads with defined values that determine their wealth in one of three categories: poor, middle-class, or rich. Their task is to increase the value of their wealth by trading their beads with other students. Individual student outcomes of the game are discussed in terms of the four primary determinants of wealth: natural abilities, effort, motivation, and luck.

* Lesson 1A (pdf)

Lesson 1B: Making Choices and Identifying Costs
Students are introduced to the PACED decisionmaking model and grid as a guide to making personal finance choices. The grid is used to evaluate product choices based on ratings from Consumer Reports ® and to demonstrate trade-offs and opportunity costs.

Unit Two: Planning and Tracking

Lesson 2A: The Inventory Game-Net Worth and Cash Flow
Students physically move into and out of a "wallet" (a specified area in the room) and note the change in the number of students in the wallet over time, as well as the inflow and outflow rates. This demonstration is then related to the stock (an amount at a point in time) concepts of assets and liabilities and the flow (an amount per unit of time) concepts of income and expenses. Students use this distinction to determine net worth, cash flow, and the relationship between them.

* Lesson 2A (pdf)

Lesson 2B: Meeting Financial Goals-Rate of Return
Students are shown the two ways that investments can earn a return and then calculate the annual rate of return, the real rate of return, and the expected rate of return on various assets.

Unit Three: Earning Income

Lesson 3A: Investing in Yourself
Students perform calculations-with half the class given information to make the task easier-to demonstrate the importance of human capital in increasing a person's productivity. They then look at the wages for various occupations and consider the role of human capital in explaining the differences in those wages.

Lesson 3B: Entrepreneurship-Working for Yourself
Students are asked to volunteer for a potentially embarrassing task (which they ultimately do not have to perform) in return for a reward, which demonstrates a characteristic of entrepreneurs. They then take a personal assessment to discover other important characteristics of entrepreneurs and determine how entrepreneurial they are based on these characteristics.

Unit Four: Paying Taxes

Lesson 4A: What Are Taxes For?
Students participate in an activity that demonstrates the difference between private and public goods to show why it is necessary for the government to provide some goods and services. They also participate in an activity to understand why the government redistributes some tax revenue as income to others.

Lesson 4B: Understanding Taxes
Students discuss factors that make various taxes different: bases, rates, structures, methods of collection, and level of government imposing the tax. They learn a simple tax formula and information about four common types of taxes (income, payroll, sales, and property). Students apply this knowledge to calculate for three households the total taxes paid and the net income based on their gross income and expenditures.

Unit Five: Budgeting

Lesson 5A: Making a Budget-It Is All Spending!
Students discover that all elements of a budget are essentially spending on goods and services. They are shown a process for establishing a budget.

Lesson 5B: Budget Trade-Offs-A Penny Here and a Penny There
Students participate in an activity that illustrates that budgeting is really an allocation problem. They must decide how to allocate limited income among many alternatives, which requires trade-offs. For the activity, students are given pennies representing monthly personal income to allocate for their living expenses-to purchase goods and services for housing, food, transportation, and so on.

* Lesson 5B (pdf)

Unit Six: Saving

Lesson 6A: Time Preference-Why It Is Hard to Save
Students investigate the decision to save as a choice between spending now or spending later and how people's natural preference to enjoy goods and services now affects this decision.

Lesson 6B: Simple and Compound Interest-Why It Is Great To Save
Formulas for simple and compound interest, as well as the Rule of 72, are explained and used to illustrate the benefit of saving in general and the benefit of saving early in particular.

Unit Seven: Spending

Lesson 7A: The Spending Decision-Colas and Hot Dogs
Students help Joe, a guy at a baseball game, decide how many colas and hot dogs to buy. Joe's "best" choice is shown to depend on not only what Joe likes but also the amount of money he has and the prices charged.

Lesson 7B: Big Spenders
Students compare the spending behavior of two families to see how a higher saving rate can lead to not only greater savings but greater spending.

Unit Eight: Investing

Lesson 8A: Managing Risk-Time and Diversification
Students are introduced to investment risk-the chance of losing some or all money invested. That is, the actual rate of return on an investment may vary from the projected rate of return and may even be negative. Students investigate the trade-off between the expected rate of return on an investment and the risk. Finally, they play the role of investors in a simulation that shows how time and diversification may lower risk.

Lesson 8B: Evaluating Investment Options
Students use the PACED decisionmaking model to investigate the trade-offs involved in choosing an investment.

Unit Nine: Borrowing

Lesson 9A: The Three C's of Credit
Students play the role of credit providers and assess the credit worthiness of an individual with a loan request and randomly selected borrower characteristics. Students classify those characteristics based on the three C's of credit (capacity, character, and collateral), assess the riskiness of lending to that individual based on these characteristics, and then decide whether or not to approve or deny the loan request.

Lesson 9B: Evaluating the Benefits and Costs of Credit
Students are introduced to different types of credit and discuss some of the benefits and costs of credit. They then consider how borrowing affects a person's net worth.

Unit Ten: Protecting

Lesson 10A: The Three D's of Identity Theft
Students are introduced to various options for deterring and detecting identity theft. They then play a game about identity protection. They choose ways to protect their identity then face random events where their identity will either remain safe or be stolen. They learn that 100% identity protection is not possible and ways to defend themselves if identity theft occurs.

10B: Is Insurance Worth Buying?
Students learn about insurance options and possible risks. They play a game where they first choose levels of insurance coverage and then face random events. They track the cost of their insurance choices (premiums plus lost investment income) and the benefit of their choices (loss reduction) based on each event drawn. They determine whether the insurance choices they made were financially beneficial or not and why insurance may be a good idea regardless.

This lesson received the 2017 Curriculum Gold Award from the National Association of Economic Educators.

This curriculum received the 2017 Excellence in Financial Education Award from the Institute for Financial Literacy.

Read more about this and our other awards "

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If you have difficulty accessing this content due to a disability, please contact us at 314-444-4662 or economiceducation@stls.frb.org.

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Making Personal Finance Decisions Curriculum | Education Resources | St. Louis Fed

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The Making Personal Finance Decisions curriculum teaches valuable personal finance lessons grounded in economic theory. The curriculum is divided into 10 themed units, with each unit containing two lessons. The twenty individual lessons employ a variety of teaching strategies designed to engage students in the learning process and equip them with the knowledge and skills necessary to make informed personal finance decisions.

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Lesson Plans for Elementary School Educators

Investopedia is committed to extending our reach and resources to schools and underserved communities that have traditionally been left out of the conversation. That's why we've created free content and materials to support today's investing environment, found here in the Financial Literacy Resource Center and our new newsletter, The Classroom Investor.

In the table below, you'll find downloadable lesson plans filled with guidance and worksheets that can be used to supplement classroom or at-home learning for children in grades K-5. There are eight lessons per grade, and each lesson plan builds on the preceding one. The subject matter also gets more detailed as students get older. (Simply right-click on each lesson to be taken to a new tab, and then you can download the content from there.)

Keep scrolling, and you'll find teen-focused content, too. While this is only the beginning, these resources will help anyone become an engaged and educated participant in the ever-evolving financial markets.

The content within the lesson plans above was crafted using guidance from educators within public schools and nonprofits in the U.S., and Kara Cordell of Oklahoma City Public Schools served as an invaluable resource in content creation. The Investopedia team piloted the content at Timber Lakes Elementary School in Orlando, Florida.

Financial Education for Teens

Financial Education for Kids

Frequently Asked Questions

Financial literacy is the ability to understand and effectively use various skills and concepts, including personal financial management, budgeting, and investing. A strong foundation of financial literacy-especially one that starts at an early age-can help support various life goals, such as saving for education or retirement, using debt responsibly, and running a business.

This section of Investopedia is a free, digital library for educators, teachers, and parents looking for materials to help them teach the next generation of investors. Linked in the table on this page are downloadable lesson plans, worksheets, and guidance that can be used to supplement classroom or at-home learning for children in grades K-5. Investopedia has also curated a collection of articles to help set teens (grades 9-12) up for success as they start working and/or pursue higher education.

The K-5 lessons plans available to download from this library cover the fundamentals of personal finance and investing, as appropriate for each age level. These lesson plans have been reviewed by licensed educators, and used by Timberlakes Elementary School in Orlando, Florida. The articles in this library for parents and teachers of teens (grades 9-12) focus primarily on building and using credit, investing, digital money management (e.g. using Venmo or Apple Pay), and real-world applications of personal finance topics.

Yes! Investopedia is committed to making financial literacy accessible for everyone. As more lesson plans and articles become available, we will update this resource page. Follow us on social media @investopedia, and bookmark this webpage to stay looped into the latest.

In addition to our content library, the Investopedia Stock Simulator is an instructional tool for students (or yourself) to practice trading and investing in stocks in a safe, simulated environment. We also have a monthly newsletter for educators, "The Classroom Investor," to give context to financial news, new product developments, and share additional free teaching resources.

By clicking "Accept All Cookies", you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts.

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With this free, educational resource hub from Investopedia, you can break down the jargon and teach financial literacy to the next generation.

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Lesson Plans for Elementary School Educators

Investopedia is committed to extending our reach and resources to schools and underserved communities that have traditionally been left out of the conversation. That's why we've created free content and materials to support today's investing environment, found here in the Financial Literacy Resource Center and our new newsletter, The Classroom Investor.

In the table below, you'll find downloadable lesson plans filled with guidance and worksheets that can be used to supplement classroom or at-home learning for children in grades K-5. There are eight lessons per grade, and each lesson plan builds on the preceding one. The subject matter also gets more detailed as students get older. (Simply right-click on each lesson to be taken to a new tab, and then you can download the content from there.)

Keep scrolling, and you'll find teen-focused content, too. While this is only the beginning, these resources will help anyone become an engaged and educated participant in the ever-evolving financial markets.

The content within the lesson plans above was crafted using guidance from educators within public schools and nonprofits in the U.S., and Kara Cordell of Oklahoma City Public Schools served as an invaluable resource in content creation. The Investopedia team piloted the content at Timber Lakes Elementary School in Orlando, Florida.

Financial Education for Teens

Financial Education for Kids

Frequently Asked Questions

Financial literacy is the ability to understand and effectively use various skills and concepts, including personal financial management, budgeting, and investing. A strong foundation of financial literacy-especially one that starts at an early age-can help support various life goals, such as saving for education or retirement, using debt responsibly, and running a business.

This section of Investopedia is a free, digital library for educators, teachers, and parents looking for materials to help them teach the next generation of investors. Linked in the table on this page are downloadable lesson plans, worksheets, and guidance that can be used to supplement classroom or at-home learning for children in grades K-5. Investopedia has also curated a collection of articles to help set teens (grades 9-12) up for success as they start working and/or pursue higher education.

The K-5 lessons plans available to download from this library cover the fundamentals of personal finance and investing, as appropriate for each age level. These lesson plans have been reviewed by licensed educators, and used by Timberlakes Elementary School in Orlando, Florida. The articles in this library for parents and teachers of teens (grades 9-12) focus primarily on building and using credit, investing, digital money management (e.g. using Venmo or Apple Pay), and real-world applications of personal finance topics.

Yes! Investopedia is committed to making financial literacy accessible for everyone. As more lesson plans and articles become available, we will update this resource page. Follow us on social media @investopedia, and bookmark this webpage to stay looped into the latest.

In addition to our content library, the Investopedia Stock Simulator is an instructional tool for students (or yourself) to practice trading and investing in stocks in a safe, simulated environment. We also have a monthly newsletter for educators, "The Classroom Investor," to give context to financial news, new product developments, and share additional free teaching resources.

By clicking "Accept All Cookies", you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts.

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With this free, educational resource hub from Investopedia, you can break down the jargon and teach financial literacy to the next generation.

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Personal Finance for Students | Intuit for Education

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Discover effective tips, recommended tools, and a flexible curriculum to help teach your students about personal finance.

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Basics of Saving and Investing Book - Arkansas Securities Department

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Protecting Consumers, Educating Investors, and Safeguarding the Integrity of Arkansas’s Financial Markets

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Tools & Activities - Arkansas Securities Department

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Fraud and scams | Consumer Financial Protection Bureau

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Losing money or property to scams and fraud can be devastating. Our resources can help you prevent, recognize, and report scams and fraud.

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Introductory Level

Engage individuals with limited finance knowledge using this set of lessons which utilize fast-paced facilitation and activity-based learning methods.
Download a Sample
LESSON PLAN
Advanced Level

Develop financial capabilities in young adults with this comprehensive series of scenario-based lessons including ready-to-teach instruction options.
Download a Sample
LESSON PLAN
Active Learning Tools

Motivate students to fully engage in concepts and maximize knowledge retention with this assortment of lessons designed to enhance a wide variety of topics.
Download a Sample
LESSON PLAN

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Introductory Level Engage individuals with limited finance knowledge using this set of lessons which utilize fast-paced facilitation and activity-based learning methods. Download a Sample LESSON PLAN Advanced Level Develop financial capabilities in young adults with this comprehensive series of scenario-based lessons including ready-to-teach instruction options.

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Explore free teaching resources like lesson plans, interactive modules and videos to bring economics to life in your classroom.

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Financial Literacy for Pre-school, Pre-K, Kindergarten, First and Second Grade

The following lessons provide guidance, lesson plans and activities for teachers interested in introducing four to seven year old children (pre-school, pre-k, first and second grade) to early financial literacy concepts.
Introduction
Lesson One: Making Spending Decisions

From birth, a child has choices. At first parents make the decisions, but before the end of the first year, children are capable of making some simple selections. If children are allowed to make easy choices as toddlers, then making decisions for themselves as they grow becomes less difficult. This lesson introduces guided, money-related, decision-making activities for children in preschool and kindergarten.
Teacher's Guide - Lesson One: Making Spending Decisions Student Guide - Lesson One: Making Spending Decisions
Lesson Two: Spending Plans

Preschool-aged children are capable of learning simple spending plans. Early training in categorizing money establishes patterns for future money-management behavior. This lesson introduces children to the concept of dividing their money into categories, namely "save," "spend," and "share." We present activities that will help children understand that money is limited in quantity and must be divided for different purposes.
Teacher's Guide - Lesson Two: Spending Plans Student Guide - Lesson Two: Spending Plans
Lesson Three: Earning Money

Adults must earn money to provide for their needs and wants. In this lesson children learn that money is earned and does not come free. Children also learn that money is limited in quantity. Early training in earning small amounts of money provides a foundation and understanding that work and money are connected.

Young children perform certain tasks at home just because they are part of the family or household. Children can do additional tasks to earn money for their spending plans. Children need to distinguish between shared responsibilities as members of a family and responsibilities that earn them money. This lesson introduces young children to activities and ideas for earning money. The money earned helps children meet their financial goals. Remember that the financial goals for a preschool-aged child may seem simple to an adult, but they are not simple to the child. Children learn the concept that money is a reward for working.
Teacher's Guide - Lesson Three: Earning Money Student Guide: Lesson Three: Earning Money
Lesson Four: What is Money?

Money is the medium of exchange for most goods and services. Different coins and paper money have different values. Children need the ability to recognize the names and values of different coins and bills used in exchange for goods and services. This lesson helps children identify the names of coins and grasp their relative values in terms of purchasing power. We present games and activities that will help children acquire this knowledge.
Teacher's Guide - Lesson Four: What Is Money? Student Guide - Lesson Four: What Is Money?
Financial Literacy for Grades 3-6

The following lesson plans are designed for elementary school children in the following grades: third grade, fourth grade, fifth grade and sixth grade.

Lesson One: Allowances and Spending Plans

Children in grades three through six are capable of managing small amounts of money. They can divide their money into several categories, including "spend," "save," and "give." At the same time, they can spend their money and keep a record of what was spent. This lesson provides an introduction to allowances for third through sixth graders. Allowances are the first step to understanding written spending plans or budgets. With guidance managing allowances in childhood, children can become financially responsible adults. Adults with effective budget skills create healthier family relationships and contribute to building a stronger economy.
Teacher's Guide - Lesson One: Allowances and Spending Plans Student Guide - Lesson One: Allowances and Spending Plans
Lesson Two: Money Responsibility

Successful money management includes keeping records of money spent. This includes having the skills to know how much money is available, how much money has been spent, and how much money must be saved for future needs. This lesson introduces elementary-aged children to the concept of being responsible for managing money through accurate record-keeping. It provides them with activities and worksheets that demonstrate the need to be accountable for how they spend and save money.
Teachers Guide Lesson 2 Part 2: Money Responsibility Student Guide Lesson 2 Part 2: Money Responsibility
Lesson Three: Saving and Investing

Part of learning about money management includes knowing where to put savings. The value of savings increases differently depending on how the money is managed. Placing savings in something beyond a savings account introduces students to the world of investments. When they become adults, these students will have control over where they invest their money for retirement. It is important that they understand how to get the best growth for their money. At the same time, they need to understand the chances of losing that money in investments. This lesson introduces students to the basics of how money grows through saving and investing. It introduces the concepts of financial risk and rates of return.
Teacher's Guide - Lesson Three: Saving and Investing Student Guide - Lesson Three: Saving and Investing
Lesson Four: Comparison Shopping

This lesson introduces students to the concepts associated with comparison shopping and choosing the best option. The activities in this lesson will introduce students to the difference between needs versus wants. Students will also learn to scrutinize advertising to discover messages that may affect their decisions.
Teacher's Guide - Lesson Four: Comparison Shopping Student Guide - Lesson Four: Comparison Shopping
You will need Adobe Reader to view the Workbook and Worksheets PDFs on this Page: Download Adobe Reader

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Financial Literacy for Kids: Lesson Plans for Elementary Students

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Explore FREE lesson plans for preschool through 6th grade including lessons on saving money, budgeting, comparison shopping & making your own money.

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Investor.gov has tools and resources that teachers can use, including our introductory guide for students, Saving and Investing for Students Feel free to print out and share all of our free resources on Investor.gov.

Free Publication for Students: Saving and Investing for Students To order printed copies, please send the following information to brochures@sec.gov: (i) mailing address; (ii) and quantity of brochures requested. Most orders will arrive in 1-2 weeks.
Introduction to Saving and Investing (including activities) Tools and Games for Students Other Reference Tools for Classrooms and Students

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Students are introduced to the roles of entrepreneur and investor in the context of starting a business through the book Isabel's Car Wash. After discussing the story, students are divided into entrepreneur and investor groups for a business startup simulation.

In this simulation, each entrepreneur group uses a business plan and pitch to sell its idea to the investor groups. Each investor group decides on a business to invest in with the money allotted to the group and negotiates a profit percentage with the entrepreneur.

Parents: View the Q&A using Isabel's Car Wash.

This lesson plan is designed for teaching grades 4, 5, and 6.

Book written by Sheila Bair (ISBN: 978-0807536537).

This book is available on https://www.bookshare.org/cms/ for free to schools and students with reading barriers.

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If you have difficulty accessing this content due to a disability, please contact us at 314-444-4662 or economiceducation@stls.frb.org.

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Students are introduced to the roles of entrepreneur and investor in the context of starting a business in this free lesson plan.

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Coloring/ Activity Book

Money Smart for Elementary School Students introduces key personal finance concepts to children ages 5-8. This resource features a coloring/activity book for the students accompanied by a companion manual for use by anyone leading a discussion with a group of youngsters.

The Student Activity Book and Instructor Guide are available for immediate download (catalog.fdic.gov).
The Federal Deposit Insurance Corporation is prohibited from endorsing any specific organizations. Money Smart users must ensure that their publicity, advertisements, and public statements do not use the FDIC name or logo to imply that FDIC endorses their organization or its products or services.

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Money Smart for Elementary School Students introduces key personal finance concepts to children ages 5-8. This resource features a coloring/activity book for the students accompanied by a companion manual for use by anyone leading a discussion with a group of youngsters. The Student Activity Book and Instructor Guide are available for immediate download (catalog.fdic.gov).

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External resources supporting the program.