Stocks in the Future: An Examination of Participant Outcomes in 2014-15Reportar como inadecuado

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Baltimore Education Research Consortium

This report features research on Stocks in the Future (SIF), a financial literacy program for middle-grades students. The goals of SIF are to serve underrepresented, socioeconomically disadvantaged students in schools where more than 50% are eligible for free/reduced-price meals, achieve stronger student attendance and greater attachment to school, and to effectively provide instruction in financial life skills and investing. First the authors discuss the SIF model and other research on similar programming, followed by a description of the data sources used. Next, they provide a statistical analyses to address research questions framed by SIF goals. They conclude with a discussion of the findings and their implications. Analysis found that in City Schools, SIF serves a student population that is representative of the district as a whole. When SIF students' financial and investment knowledge was measured directly using the Hopkins Short Achievement Test (HSAT), the authors found that relative to students who were not in the SIF program, SIF participants were significantly more likely to gain important investment-related reading comprehension skills. Students in SIF were less likely to be chronically absent by the end of the school year. Based on multiple visits to each SIF classroom over the year and protocol scores assigned by a SIF instructional facilitator, the authors found differences across schools in fidelity to and implementation of the SIF model. Findings from this study point to opportunities for more consistent use of SIF incentives, as well as the need for specific training and ongoing support for SIF teachers. The following are appended: (1) Stocks in the Future Logic Model; (2) Detailed Analytical Results; (3) Student Survey Questions and Alpha Reliability; and (4) Classroom Visit Protocol .

Descriptors: Money Management, Public Schools, Urban Schools, Middle School Students, Consumer Education, Grade 6, Grade 7, Grade 8, Investment, Outcomes of Education, Attendance, Incentives, Program Effectiveness, Low Income Students, Minority Group Students, Institutional Characteristics, Middle Schools, Self Efficacy, Student Surveys, Achievement Tests, Observation

Baltimore Education Research Consortium. 2701 North Charles Street Suite 300, Baltimore, MD 21218. Tel: 410-516-4044; Web site:

Autor: Durham, Rachel E.


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