Class Descriptions
Asset Allocation… is the process of diversifying your investment dollars across different asset classes. This workshop explains investment diversification with capitalization (large cap, mid cap, small cap). It explains investment diversification with style (growth, value, and blend). It identifies individual risk tolerance and discusses time horizon. Audience will complete Ibbotson questionnaire to identify risk tolerance. This workshop reviews intermediate investment concepts.
Audience: Public employees who are beyond the basics of investing and are ready to explore intermediate investment concepts; ideal for public employees in Kentucky Deferred Comp (KDC) who should be considering opportunities to re-balance their account or increase their KDC contributions.
Invest in Your Future…. identifies the need to use supplemental retirement savings to build a successful retirement, estimates how much retirement savings you need to maintain your income in retirement, explains the tax saving features of the program, and defines IRAs, 401(k) and 457 plans. This workshop reviews the basics of investing (cash, stocks, and bonds). Attendees will complete Ibbotson questionnaire to identify their personal investor profile.
Audience: Public employees who have little or no supplemental retirement savings (not participating in Kentucky Deferred Comp); ideal for public employees who want to learn basic investment concepts and begin saving more for their future retirement needs.
This workshop identifies key reasons why it is important for women to save for retirement. The content illustrates statistics on women’s income in the workplace, social security projections, and life expectancy. The obstacles women face toward securing a successful retirement are discussed in this workshop.
Audience: Ideal for Kentucky women employed by state or local government, public schools and universities who plan on working at least five more years in the public sector.
This workshop reinforces long-term investment concepts. The content reviews historical events and examines how these events affected the stock market. The workshop promotes good decision making skills in a down market, and teaches the audience how to deal with fear and panic.
Audience: Public employees (both participants and non-participants in KDC); ideal for participants in KDC seeking an account review relevant to today’s down market.
The Money Smart Computer-Based Instruction (CBI) is a friendly and easy to use learning tool that teaches the 10 modules of the Money Smart curriculum through a computer. The CBI can complement formal classes or enable people to study independently at their own pace. You may navigate away from the training at any point and the Money Smart CBI will remember where you were or you may choose to start over.
Each module generally takes between 20-30 minutes to complete. Students receive ongoing feedback and, upon successful completion of each module, can print out a personalized certificate of completion.
Click here to access the modules 
The 10 Money Smart Training Modules
(click each title to see more information about the modules)
70% of the U.S. families live paycheck to paycheck. Over 60% of people surveyed said they always or sometimes worry about money. Money is a key contributing factor in 80% of divorces and a major contributor to stress. Over $10 billion is lost annually in the U.S. due to work absences that are stress related. Knowing the key concepts in managing your money can help eliminate this stress and help you “control your money, rather than your money controlling you.” This class covers the concepts and principles to get out of debt, manage limited finances, and how to spend your money wisely.
This presentation aims to inform state employees about what it takes to secure a healthy financial future and is especially helpful for new hires that may not know what benefits are available to them as employees of the state. However, there is something that can benefit everyone discussing topics such as budgeting, debt, and retirement. Since this presentation covers a wide range of topics, the goal is to provide a central location to discuss the terminology in many different areas so a state employee will not feel overwhelmed speaking to the experts in each field if they determine more information is needed. (Note: This PowerPoint presentation contains the exact same information discussed in the live State Employee Money Management workshop.)
Click here to view the presentation
This workshop aims to inform state employees about what it takes to secure a healthy financial future and is especially helpful for new hires that may not know what benefits are available to them as employees of the state. However, there is something that can benefit everyone discussing topics such as budgeting, debt, and retirement. Since this workshop covers a wide range of topics, the goal is to provide a central location to discuss the terminology of many different areas so a state employee will not feel overwhelmed speaking to the experts in each field if they determine more information is needed. (Note: This workshop contains the exact same information discussed in the State Employee Money Management PowerPoint.)
Stress Management with Trina Wilkins Koontz. Understanding stress is important to managing it. In this workshop attendees will look at the cause and effect of stress. Techniques for handling current stress-invoking situations as well as strategies for a "less-stress lifestyle" will be explored.