Lesson sheet · Module 3
Assets and cash equivalents
The aim of the lesson
Before you put money into something, answer three questions: how fast it becomes money, how much it can lose and who is making the promise.
- 👧 Child: "Can I take it back tomorrow?"
- 🧑 Teenager: "Who is promising me this profit, and what do they lose if it doesn't happen?"
- 🧔 Adult: arrange your wealth on the liquidity ladder. How many months of living do the funds at the top of the ladder cover?
Your step in Pecuvo: in "Net worth", put a label next to each account — money · almost money · investment · thing and who makes the promise. See how much of your wealth sits at the top of the ladder.
The topic (chapters of the module)
- Chapter 1 · What an asset is
- Chapter 2 · The liquidity ladder
- Chapter 3 · Cash equivalents
- Chapter 4 · Money in the bank and its guarantee
- Chapter 5 · "Backed": guarantee, collateral, promise
- Chapter 6 · Risk and return: compound interest and inflation
- Chapter 7 · Gold, property and things
For the youngest · ages 6–7
🐣 The youngest: Some things become money quickly — like the coin in your pocket. Others become money slowly — like the bike you first have to sell. And some things are your wealth without being money. For example, being able to fix a toy.
Play together (5 minutes): Lay out a coin, a book, a toy and a drawing on the floor. The child arranges them from "becomes money fastest" to "slowest". There is no wrong order — ask "Why like this?".
A question for the evening: "Which of your things is most precious to you, even though it is not worth money?"
Questions for the class — 3 per level
- 👧 1. Which becomes money faster — the bike or the coin? 2. What does compound interest do? 3. What does the deposit fund protect?
- 🧑 1. Why is a phone a liability according to Kiyosaki? 2. How much does €1,000 become at 5 % for 10 years? 3. What is the difference between a guarantee, collateral and a promise?
- 🧔 1. What does IAS 7 say about cash equivalents? 2. What is the real return on a deposit at 2 % with inflation at 3 %? 3. Why is a money market fund not a deposit?
A 45-minute plan
- 5 min
- The question for the evening or one from “Check yourself” — what do the pupils think? No right or wrong answers.
- 15 min
- One or two chapters of the module at the level of the class (the “child · teenager · adult” buttons on the page).
- 10 min
- The game or the calculator for the topic — in pairs or on the board.
- 10 min
- The questions for the class. If you like, the open test — everyone writes down only their code.
- 5 min
- The iron principle in the pupils' own words and one small step for home.
Tools for the lesson
- The whole module on the website pecuvo.eu/en/modules/assets-and-cash-equivalents/
- The open test (9 questions) — pupils write down only their code (e.g. K4B11), no names; the class distribution is shown on the same page pecuvo.eu/en/test/
- The Glossary — terms explained simply pecuvo.eu/en/glossary/