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Ask savvy investors(投资者) how they learned their first lessons about money, and they'll probably
tell you lessons their parents taught them.
The money values we learn as children stay with us the rest of our lives. If you are a parent, teaching
your children the value of saving and investing will benefit them the rest of their lives. Here's what you
can do:
Help your child begin to save. Open savings accounts for your children, and teach them how the
bank adds interest to their savings that makes their money grow. Encourage your children to save a little
from every bit of money they receive, such as allowances, birthday gifts, etc. You may even want to set
up a matching program, contributing fifty cents for each dollar your child saves.
Teach your child about stocks(股票). A child in elementary school can start learning about how
businesses work. Once your child understands the basics, ask him or her to think about some of the
businesses that might be good stock investments. Then useMorningstarMutualFundGuide(available
at your library)to find a quality mutual fund that holds some of these companies, or a mutual fund that
caters to children such as the Stein Roe Young Investor Fund. Many funds accept regular monthly
investments as low as $50 a month, so these funds can be a good way to teach children about the stock
market while saving for their college education.
Encourage early IRA(个人退休金账户)saving. The new Roth IRA is a great way for children who
are working in summers or after school to begin saving for their future. Imagine how much money you'd
have today if you had saved $3,000 a year since you were a teenager!
Let your kids handle their own money. We all learn by doing, so letting your kids manage a segment
of their budget(预算)will let them earn valuable financial lessons.They may make mistakes, but they will
be small mistakes that may help them avoid larger mistakes as adults.

1. Which would be the best title for this passage?
A. Why to Teach Your Children to Save
B. How to Teach Your Children to Save
C. Tips for Saving for Children
D. Start Good Saving Habits Early

2. A matching program means ________.
A. that you should set a good example to your children
B. that you should provide enough money for children so that they can save some
C. that you encourage your children to compete with each other in saving
D. that you encourage your children by giving some extra money for them to save

3. According to the author, you should teach your children about investment when he/she is ________.
A. in the kindergarten
B. in primary school
C. in middle school
D. in college

4. Which of the following is NOT an advantage of the Stein Roe Young Investor Fund?
A. It is usually with high benefits.
B. It accepts regular monthly investments.
C. It accepts small investments as low as $50 a month.
D. It caters to children who can afford small investments.

5.The advantage of letting your kids manage their budget lies in ________.
A. that they will make great businessmen in the future
B. that they will know the difficulty of managing a budget
C. that they will avoid making bigger mistakes in the future
D. that they will share happiness of managing their own budget

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