Annuities
Future value and present value annuities, regular payment schedules, interest factor tables, retirement planning, and financial decision-making.
Active lessons
8
Status
Active
Lesson flow
Learn -> Guided Practice -> Independent Practice -> Mastery Quiz
How to use this unit
- Start from lesson 1 and move through the pathway in order.
- Use guided practice before attempting independent practice.
- Mastery quizzes check whether the skill is ready for review or extension.
Unit pathway
Lesson pathway
8 of 8 active
Lesson 1
Annuities Revision
Consolidate Year 12 compound-interest foundations: apply A = P(1+r)ⁿ, work through recurrence relations for savings and loans, and read balance tables — preparation for future-value and present-value annuity lessons.
Lesson 2
Annuities and Regular Payments
Use recurrence and table methods for regular deposits, future value, annuities, and repayment schedules.
Lesson 3
Present Value of Annuities
Use the present value formula to find loan repayments from a lump-sum amount, calculate total interest paid, and compare loan options with different terms.
Lesson 4
Annuities Using Interest Factor Tables
Use tables of FV and PV interest factors to calculate future values, present values, and required regular contributions for savings and loan annuities.
Lesson 5
Retirement and Annuity Planning
Use future value and present value annuity reasoning to plan long-term savings goals, superannuation scenarios, and retirement income streams.
Lesson 6
Comparing Investments and the Effect of Inflation
Compare investment options by effective return, identify how inflation reduces purchasing power, and use future value formulas to evaluate lump-sum alternatives.
Lesson 7
Credit Cards and Consumer Decisions
Calculate monthly credit-card interest, find the total cost of a purchase paid over time, and compare buy-now-pay-later options with saving-first alternatives.
Lesson 8
Financial Decision Making Exam Practice
Practise mixed HSC-style finance questions involving investments, loans, annuities, fees, and comparisons.
Part of the Online Learning Package
Unit previews stay public, while individual lessons require active online learning access.