Each grade level looks at three larghe themes : make a budget, manage credit and learn how to invest.
The training sessions are offered as extracurricular activities and the students receive a certificate of participation. The academic results obtained in the final exam are converted to tokens which, in turn, allow the students to receive units from the Académie du Trésor investment account. Thus, the students hold real assets in a diversified investment portfolio.
To learn and then to get a redeemable cash value out of it are fundamental to the Académie du Trésor, because they allow you to go from theory to practice.
The token we give to the student has many purposes : it catches the attention of the child as it is tangible motivating; it also helps him understand the notions he learned during the program. Over the levels, the student will acquire precious knowledge that will allow him to understand the principles of financial planning and how to build up an investment portfolio. The student will gradually learn those notions while participating to various practical learning exercices and meeting with professionals from the industry.
High School – Blue Level
age 12 to 17 / Last year of that level / 15 hours
- Introducing the Académie du Trésor course. The course overview, the presentation of the teacher and a quick look at the learning tools will allow the student to familiarize with the mission of the academy and the value of the convertible tokens.
- Supply and DemandThe student will learn to distinguish between goods and services, supply and demand and the pricing of goods.
- Personal BudgetWhen starting a personal budget, the student leans the different posts and the types of income inherent to that budget.
- Income -vs- Available IncomeThe sudent learns how different income taxes and government taxes are used. He also understands the difference between gross and net income.
- Savings and ConsumingA discussion on savings, fixed expenses and variable expenses will help the student understand his personal consumer's profile.
- Banking Products and ServicesOverview of different types of banking accounts and related fees, credit and debit cards, installment sales and indebtedness.
- Banking Institution – Guest SpeakerA banking institution specialist will explain to the students how a bank works.
- The Four Pillars of Financial PlanningThe student will have a look at insurance products, investments related to retirement and to legal aspects pertaining to sickness or death.
- Investment PrinciplesThe student will learn about simple and compound interests, the rule of 72, diversification, relation between risk and yield and asset allocation.
- Investment VehiclesIntroduction to different investment vehicles that are offered on the market.
- The Stock MarketHow the Stock Market works and what is its purpose. How to read the stock quotes and what are stocks and indexes. The student will also work on the Andex chart.
- Investments – Guest speaker from the financial sectorThe guest speaker from the financial sector will explain to the students how to start with investing; he will discuss the importance of planning and setting goals and constraints. He will also speak about how to chose a financial advisor.
- Investment ProfileThe student will learn how to establish his own investment profile.
- Course SummaryA look back on everything we learned during this course in view of the upcoming exam.
- Final exam
High School – Green Level
age 12 to 17 / 15 hours
- Introducing to the Treasure Academy training. Students learn about the mission of the Academy and the value of its convertible coins, through a presentation of the course, of the instructor and of teaching materials.
- Introduction to the RESP ; Needs –vs- desiresIn the first section of the course, students are introduced to the RESP and its benefits. This financial tool encourages people to save in view of their children’s postsecondary school. In the second half of the course, students learn to identify and differentiate needs from desires by comparing the two.
- Supply and demandStudents learn the distinction between supply and demand. They also learn about the law of supply and demand and how the price of goods is determined. We also talk about supply and demand related to investments.
- Personal budgetThe goal here is to introduce children to a budget and to sound management of their financial resources by guiding them through an exercise that involves a high school student’s real-life case.
- Available income and savingsStudents are given notions on available income ; they must understand the difference between an income that is related to employment and the available income, which is in fact the excess of revenues over expenses. Children also learn about the importance of savings, as it is one of the best ways of reaching financial goals.
- Consumption and creditThis course covers, in a first step, the notion of consumption by identifying five types of buyers. Students are invited to take a quiz to find out what kind of consumers they really are. Once every student finds where he stands, he can analyze how he spends in order to build on his strengths and overcome his weaknesses in that field. In the second half of the course, we talk about credit, mainly about credit cards, knowing that it is the first form of credit used by youngsters. Students will learn how to use a credit card wisely to avoid falling into a debt trap.
- Identity crime – Bank of Canada workshopThis course, in collaboration with the Bank of Canada, aims at showing kids how to identify, signal and stop identity crime. Young people often use social media, so they must be aware of that type of crime. Every student who participates in that workshop will receive, from the hands of his teacher, an official certificate from the Bank of Canada. The certificate is a plus value to the student’s curriculum vitae.
- Investment principlesThe course is about regular and compound interests, and the Rule of 72.
- How to open an RESPThis course demystifies how a student can open an RESP, with the help of his parents or a member of his entourage, and what types of investments can be part of the registered plan.
- Investment types ; analyzing the Andex chartIntroduction to various types of investments offered on the market. With the Andex chart, students can compare inflation with various types of investments. We also learn about the relationship between risk and yield and we explain the meaning of diversification.
- Guest speaker from the investment sectorA guest speaker from the investment sector explains to students how to start investing ; he discusses the importance of planning and setting financial goals. He also guides the students on how to choose a financial advisor. An open discussion then allows the guest speaker to answer students’ questions.
- Read and understand the financial section of a newspaperThis course covers the operation and role of the stock market, how to read stock quotes and familiarizes students with securities and indices. Students also do an exercise with the help of the financial section of a newspaper, to help them assimilate their new knowledge.
- Building a portfolioStarting a portfolio is a complex task. This course wants to help students find out the best ways to build a portfolio ; students also make suggestions on how to invest the value of the Academy coin. Using a questionnaire on investors’ profiles, each student finally points out what types of investments are best for him.
- Review of the trainingWe go back on all notions seen in this training, in view of the final exam.
- Final exam
High School – Red Level
- Introduction to the Académie du Trésor courseCourse, teacher and material introduction. The students will learn about the mission of the academy and the value of its convertible tokens. At the end of this course, the students will take a closer look at two annual reports.
- Budget, taxes, income taxes and available incomeEstablishing a personal budget allows someone to understand its accounting items and the various incomes that can be affected. During the second half of the course, the strudents will acquire notions on income taxes and different kinds of taxes, bringing the students to understand the difference between gross income and net income.
- Investment income tax systemThat course gives information on interests income, capital gain or loss and dividends income.
- The four pillars of planningThe students will have an overview of insurance products, retirement related investments and death or disability legal aspects.
- Savings and consumingA discussion on the value of savings and on fixed expenses will allow the students to define their own buyer's profile.
- Types of loansView of different personal financing tools. We will also talk about debt consolidation and over indebtedness.
- Financial institution – Speaker from the banking sectorA specialist from the banking sector will discuss with the students about financial institutions operations.
- Investment account typesUnderstanding the various investment account types such as regular, margin, RRSP, RESP, TFSA, etc
- Investment principlesThe students will learn about simple and compound interest, the rule of 72, diversification, the relation between risk and yield and asset allocation.
- Investment vehiclesInitiation to the different investment vehicles available on the market. Exercises with the Andex chart.
- Comparative analysisHow to make a comparative analysis between two market stocks with the help of financial statements from two companies and ratio calculations.
- Investments – Speaker from the investments sectorA speaker from the investments sector will review the comparative analysis seen during last course with the students. He will also talk about financial news and how to choose an investment advisor.
- Investment profileThe students will learn how to determine their own investment profile.
- Building a portfolioWhile teaching about the economic cycle and its phases, in conjunction with each investment profile, this course will help the students to understand various financial strategies according to different stages of life.
- Final exam