Page 2-3

FL1 -  Money, Source of Income and Career

Choice

FL 1.3 - Identify how career choice, education,

skills and economic conditions affect income

Pupils able to:

• identify various job in the community and the

related earnings.

• recognise  the difference between a career and

a job

BAHASA MALAYSIA

TAHUN 5
Page 2-3

FL1 -  Money, Source of Income and Career

Choice

FL 1.3 - Identify how career choice, education,

skills and economic conditions affect income

Pupils able to:

• identify various job in the community and the

related earnings.

• recognise  the difference between a career and

a job

BAHASA MALAYSIA

TAHUN 5
Page 10

FL1 -  Money, Source of Income and Career

Choice

FL 1.2 - Identify sources of income and

alternative sources.

Pupils able to:

• recognise multiple sources of income as well

as alternative sources (from jobs or gifts) of

family members, neighbours, friends.

BAHASA MALAYSIA

TAHUN 5
Page 25

FL2 - Financial Responsibility and Decision

Making

FL 2.3 - Summarise major consumer protection

law.

Pupils able to:

• know rights and responsibility as a consumer.

• compare  product return policy at local

retailers

• list examples of financial fraud and  abuse that

consumer protection laws address.

BAHASA MALAYSIA

TAHUN 5
Page 56-64

Opportunity for teachers to discuss:

FL6 – Risk Management, Wealth Protection and

Insurance

FL6.2 - Identify common types of risks and basic

risk management

Pupils able to:

• give examples of risks that  individual and

households face.

• given an age –appropriate activity such as

riding a bicycle and others; analyse how to

reduce and avoid different  kind of risk.

FL6.3 - Explain the purpose and importance  of

insurance/takaful protection

• recognise consequences of key financial and

non-financial loss

• explain the importance of insurance that can

help reduce financial burden due to accident,

illness, death, etc.

FL6.4 - Recognize different types of non-insurance

protection.

Pupils able to:

• recognize the role of adults in providing safety.

• recognize the importance of written

documentation and other types of protection

available for students.

• explain the various people who provide

protection and the roles they play.

BAHASA MALAYSIA

TAHUN 5
Page 56-64

Opportunity for teachers to discuss:

FL6 – Risk Management, Wealth Protection and

Insurance

FL6.2 - Identify common types of risks and basic

risk management

Pupils able to:

• give examples of risks that  individual and

households face.

• given an age –appropriate activity such as

riding a bicycle and others; analyse how to

reduce and avoid different  kind of risk.

FL6.3 - Explain the purpose and importance  of

insurance/takaful protection

• recognise consequences of key financial and

non-financial loss

• explain the importance of insurance that can

help reduce financial burden due to accident,

illness, death, etc.

FL6.4 - Recognize different types of non-insurance

protection.

Pupils able to:

• recognize the role of adults in providing safety.

• recognize the importance of written

documentation and other types of protection

available for students.

• explain the various people who provide

protection and the roles they play.

BAHASA MALAYSIA

TAHUN 5
Page 56-64

Opportunity for teachers to discuss:

FL6 – Risk Management, Wealth Protection and

Insurance

FL6.2 - Identify common types of risks and basic

risk management

Pupils able to:

• give examples of risks that  individual and

households face.

• given an age –appropriate activity such as

riding a bicycle and others; analyse how to

reduce and avoid different  kind of risk.

FL6.3 - Explain the purpose and importance  of

insurance/takaful protection

• recognise consequences of key financial and

non-financial loss

• explain the importance of insurance that can

help reduce financial burden due to accident,

illness, death, etc.

FL6.4 - Recognize different types of non-insurance

protection.

Pupils able to:

• recognize the role of adults in providing safety.

• recognize the importance of written

documentation and other types of protection

available for students.

• explain the various people who provide

protection and the roles they play.

BAHASA MALAYSIA

TAHUN 5
Page 56-64

Opportunity for teachers to discuss:

FL6 – Risk Management, Wealth Protection and

Insurance

FL6.2 - Identify common types of risks and basic

risk management

Pupils able to:

• give examples of risks that  individual and

households face.

• given an age –appropriate activity such as

riding a bicycle and others; analyse how to

reduce and avoid different  kind of risk.

FL6.3 - Explain the purpose and importance  of

insurance/takaful protection

• recognise consequences of key financial and

non-financial loss

• explain the importance of insurance that can

help reduce financial burden due to accident,

illness, death, etc.

FL6.4 - Recognize different types of non-insurance

protection.

Pupils able to:

• recognize the role of adults in providing safety.

• recognize the importance of written

documentation and other types of protection

available for students.

• explain the various people who provide

protection and the roles they play.

BAHASA MALAYSIA

TAHUN 5
Page 56-64

Opportunity for teachers to discuss:

FL6 – Risk Management, Wealth Protection and

Insurance

FL6.2 - Identify common types of risks and basic

risk management

Pupils able to:

• give examples of risks that  individual and

households face.

• given an age –appropriate activity such as

riding a bicycle and others; analyse how to

reduce and avoid different  kind of risk.

FL6.3 - Explain the purpose and importance  of

insurance/takaful protection

• recognise consequences of key financial and

non-financial loss

• explain the importance of insurance that can

help reduce financial burden due to accident,

illness, death, etc.

FL6.4 - Recognize different types of non-insurance

protection.

Pupils able to:

• recognize the role of adults in providing safety.

• recognize the importance of written

documentation and other types of protection

available for students.

• explain the various people who provide

protection and the roles they play.

BAHASA MALAYSIA

TAHUN 5
Page 56-64

Opportunity for teachers to discuss:

FL6 – Risk Management, Wealth Protection and

Insurance

FL6.2 - Identify common types of risks and basic

risk management

Pupils able to:

• give examples of risks that  individual and

households face.

• given an age –appropriate activity such as

riding a bicycle and others; analyse how to

reduce and avoid different  kind of risk.

FL6.3 - Explain the purpose and importance  of

insurance/takaful protection

• recognise consequences of key financial and

non-financial loss

• explain the importance of insurance that can

help reduce financial burden due to accident,

illness, death, etc.

FL6.4 - Recognize different types of non-insurance

protection.

Pupils able to:

• recognize the role of adults in providing safety.

• recognize the importance of written

documentation and other types of protection

available for students.

• explain the various people who provide

protection and the roles they play.

BAHASA MALAYSIA

TAHUN 5
Page 56-64

Opportunity for teachers to discuss:

FL6 – Risk Management, Wealth Protection and

Insurance

FL6.2 - Identify common types of risks and basic

risk management

Pupils able to:

• give examples of risks that  individual and

households face.

• given an age –appropriate activity such as

riding a bicycle and others; analyse how to

reduce and avoid different  kind of risk.

FL6.3 - Explain the purpose and importance  of

insurance/takaful protection

• recognise consequences of key financial and

non-financial loss

• explain the importance of insurance that can

help reduce financial burden due to accident,

illness, death, etc.

FL6.4 - Recognize different types of non-insurance

protection.

Pupils able to:

• recognize the role of adults in providing safety.

• recognize the importance of written

documentation and other types of protection

available for students.

• explain the various people who provide

protection and the roles they play.

BAHASA MALAYSIA

TAHUN 5
Page 56-64

Opportunity for teachers to discuss:

FL6 – Risk Management, Wealth Protection and

Insurance

FL6.2 - Identify common types of risks and basic

risk management

Pupils able to:

• give examples of risks that  individual and

households face.

• given an age –appropriate activity such as

riding a bicycle and others; analyse how to

reduce and avoid different  kind of risk.

FL6.3 - Explain the purpose and importance  of

insurance/takaful protection

• recognise consequences of key financial and

non-financial loss

• explain the importance of insurance that can

help reduce financial burden due to accident,

illness, death, etc.

FL6.4 - Recognize different types of non-insurance

protection.

Pupils able to:

• recognize the role of adults in providing safety.

• recognize the importance of written

documentation and other types of protection

available for students.

• explain the various people who provide

protection and the roles they play.

BAHASA MALAYSIA

TAHUN 5
Page 56-64

Opportunity for teachers to discuss:

FL6 – Risk Management, Wealth Protection and

Insurance

FL6.2 - Identify common types of risks and basic

risk management

Pupils able to:

• give examples of risks that  individual and

households face.

• given an age –appropriate activity such as

riding a bicycle and others; analyse how to

reduce and avoid different  kind of risk.

FL6.3 - Explain the purpose and importance  of

insurance/takaful protection

• recognise consequences of key financial and

non-financial loss

• explain the importance of insurance that can

help reduce financial burden due to accident,

illness, death, etc.

FL6.4 - Recognize different types of non-insurance

protection.

Pupils able to:

• recognize the role of adults in providing safety.

• recognize the importance of written

documentation and other types of protection

available for students.

• explain the various people who provide

protection and the roles they play.

BAHASA MALAYSIA

TAHUN 5
Page 80-81

Opportunity for teachers to discuss:

FL6 – Risk Management, Wealth Protection and

Insurance

FL6.2 - Identify common types of risks and basic risk

management

Pupils able to:

• give examples of risks that  individual and households

face.

• given an age –appropriate activity such as riding a

bicycle and others; analyse how to reduce and avoid

different  kind of risk.

FL6.3 - Explain the purpose and importance  of

insurance/takaful protection

Pupils able to:

• recognise consequences of key financial and non-

financial loss

• explain the importance of insurance that can help

reduce financial burden due to accident, illness, death,

etc.

FL6.4 - Recognize different types of non-insurance

protection.

Pupils able to:

• recognize the role of adults in providing safety.

• recognize the importance of written documentation

and other types of protection available for students.

• explain the various people who provide protection and

the roles they play.

BAHASA MALAYSIA

TAHUN 5
Page 80-81

Opportunity for teachers to discuss:

FL6 – Risk Management, Wealth Protection and

Insurance

FL6.2 - Identify common types of risks and basic risk

management

Pupils able to:

• give examples of risks that  individual and households

face.

• given an age –appropriate activity such as riding a

bicycle and others; analyse how to reduce and avoid

different  kind of risk.

FL6.3 - Explain the purpose and importance  of

insurance/takaful protection

Pupils able to:

• recognise consequences of key financial and non-

financial loss

• explain the importance of insurance that can help

reduce financial burden due to accident, illness, death,

etc.

FL6.4 - Recognize different types of non-insurance

protection.

Pupils able to:

• recognize the role of adults in providing safety.

• recognize the importance of written documentation

and other types of protection available for students.

• explain the various people who provide protection and

the roles they play.

BAHASA MALAYSIA

TAHUN 5
Page 150

Opportunity for teachers to discuss:

FL6 – Risk Management, Wealth Protection

and Insurance

FL 6.1 - Establish strategies for protection of

identity.

Pupils able to:

• recognise that everyone has an identity.

• list types of personal information that should

not be disclosed to others and the possible

consequences of doing  so.

BAHASA MALAYSIA

TAHUN 5
Page 155

FL3 -  Money Management and Planning

FL 3.1 - Make financial decisions by

systematically considering alternatives and

consequences.

Pupils able to:

• apply systematic decision making which

includes savings, spending and giving.

FL4 - Savings and Investments

FL 4.3 - Evaluate investment alternatives.

Pupils able to:

• explain difference between saving in a piggy

bank and in a financial institution.

• list the advantages of saving money with

financial institutions.

• identify various options for savings/investing.

BAHASA MALAYSIA

TAHUN 5
Page 156-157

FL1 -  Money, Source of Income and Career Choice

FL 1.2 - Identify sources of income and alternative

sources.

Pupils able to:

• recognise multiple sources of income as well as

alternative sources (from jobs or gifts) of family

members, neighbours, friends.

FL2 - Financial Responsibility and Decision Making

FL 2.3 - Summarise major consumer protection law.

Pupils able to:

• know rights and responsibility as a consumer.

Opportunity for teachers to discuss:

FL6 – Risk Management, Wealth Protection and

Insurance

FL 6.1 - Establish strategies for protection of identity.

Pupils able to:

• recognise that everyone has an identity.

• list types of personal information that should not be

disclosed to others and the possible consequences

of doing  so.

• recognise the impact of technology on personal

security.

BAHASA MALAYSIA

TAHUN 5
Page 156-157

FL1 -  Money, Source of Income and Career Choice

FL 1.2 - Identify sources of income and alternative

sources.

Pupils able to:

• recognise multiple sources of income as well as

alternative sources (from jobs or gifts) of family

members, neighbours, friends.

FL2 - Financial Responsibility and Decision Making

FL 2.3 - Summarise major consumer protection law.

Pupils able to:

• know rights and responsibility as a consumer.

Opportunity for teachers to discuss:

FL6 – Risk Management, Wealth Protection and

Insurance

FL 6.1 - Establish strategies for protection of identity.

Pupils able to:

• recognise that everyone has an identity.

• list types of personal information that should not be

disclosed to others and the possible consequences

of doing  so.

• recognise the impact of technology on personal

security.

BAHASA MALAYSIA

TAHUN 5
Page 158

FL2 - Financial Responsibility and Decision

Making

FL 2.2 - Find and evaluate financial information

from a variety of sources.

Pupils able to:

• give examples of situations in which financial

information would lead to better decisions.

FL 2.3 - Summarise major consumer protection

law.

Pupils able to:

• know rights and responsibility as a consumer.

FL3 -  Money Management and Planning

FL 3.5 - Apply consumer skills to spending

decisions

Pupils able to:

• compare prices for the same item but different

made at different shops/same shop

BAHASA MALAYSIA

TAHUN 5
Page 160-166

FL1 -  Money, Source of Income and Career Choice

FL 1.2 - Identify sources of income and alternative sources.

Pupils able to:

• recognise multiple sources of income as well as alternative

sources (from jobs or gifts) of family members, neighbours,

friends.

FL 1.3 - Identify how career choice, education, skills and

economic conditions affect income

Pupils able to:

• identify various job in the community and the related

earnings.

• recognise  the difference between a career and a job

FL2 -  Financial Responsibility and Decision Making

FL 2.1 - Take responsibility for personal financial decisions

Pupils able to:

• list examples of financial decisions and their possible

consequences.

• identify ways to be a financially responsible pupil.

FL3 - Money Management and Planning

FL 3.2 - Demonstrate the ability to set goals based on wants and

needs

Pupils able to:

• define goals.

• identify a personal goal.

BAHASA MALAYSIA

TAHUN 5
Page 160-166

FL1 -  Money, Source of Income and Career Choice

FL 1.2 - Identify sources of income and alternative sources.

Pupils able to:

• recognise multiple sources of income as well as alternative

sources (from jobs or gifts) of family members, neighbours,

friends.

FL 1.3 - Identify how career choice, education, skills and

economic conditions affect income

Pupils able to:

• identify various job in the community and the related

earnings.

• recognise  the difference between a career and a job

FL2 -  Financial Responsibility and Decision Making

FL 2.1 - Take responsibility for personal financial decisions

Pupils able to:

• list examples of financial decisions and their possible

consequences.

• identify ways to be a financially responsible pupil.

FL3 - Money Management and Planning

FL 3.2 - Demonstrate the ability to set goals based on wants and

needs

Pupils able to:

• define goals.

• identify a personal goal.

BAHASA MALAYSIA

TAHUN 5
Page 160-166

FL1 -  Money, Source of Income and Career Choice

FL 1.2 - Identify sources of income and alternative sources.

Pupils able to:

• recognise multiple sources of income as well as alternative

sources (from jobs or gifts) of family members, neighbours,

friends.

FL 1.3 - Identify how career choice, education, skills and

economic conditions affect income

Pupils able to:

• identify various job in the community and the related

earnings.

• recognise  the difference between a career and a job

FL2 -  Financial Responsibility and Decision Making

FL 2.1 - Take responsibility for personal financial decisions

Pupils able to:

• list examples of financial decisions and their possible

consequences.

• identify ways to be a financially responsible pupil.

FL3 - Money Management and Planning

FL 3.2 - Demonstrate the ability to set goals based on wants and

needs

Pupils able to:

• define goals.

• identify a personal goal.

BAHASA MALAYSIA

TAHUN 5
Page 160-166

FL1 -  Money, Source of Income and Career Choice

FL 1.2 - Identify sources of income and alternative sources.

Pupils able to:

• recognise multiple sources of income as well as alternative

sources (from jobs or gifts) of family members, neighbours,

friends.

FL 1.3 - Identify how career choice, education, skills and

economic conditions affect income

Pupils able to:

• identify various job in the community and the related

earnings.

• recognise  the difference between a career and a job

FL2 -  Financial Responsibility and Decision Making

FL 2.1 - Take responsibility for personal financial decisions

Pupils able to:

• list examples of financial decisions and their possible

consequences.

• identify ways to be a financially responsible pupil.

FL3 - Money Management and Planning

FL 3.2 - Demonstrate the ability to set goals based on wants and

needs

Pupils able to:

• define goals.

• identify a personal goal.

BAHASA MALAYSIA

TAHUN 5
Page 160-166

FL1 -  Money, Source of Income and Career Choice

FL 1.2 - Identify sources of income and alternative sources.

Pupils able to:

• recognise multiple sources of income as well as alternative

sources (from jobs or gifts) of family members, neighbours,

friends.

FL 1.3 - Identify how career choice, education, skills and

economic conditions affect income

Pupils able to:

• identify various job in the community and the related

earnings.

• recognise  the difference between a career and a job

FL2 -  Financial Responsibility and Decision Making

FL 2.1 - Take responsibility for personal financial decisions

Pupils able to:

• list examples of financial decisions and their possible

consequences.

• identify ways to be a financially responsible pupil.

FL3 - Money Management and Planning

FL 3.2 - Demonstrate the ability to set goals based on wants

and needs

Pupils able to:

• define goals.

• identify a personal goal.

BAHASA MALAYSIA

TAHUN 5
Page 160-166

FL1 -  Money, Source of Income and Career Choice

FL 1.2 - Identify sources of income and alternative sources.

Pupils able to:

• recognise multiple sources of income as well as alternative

sources (from jobs or gifts) of family members, neighbours,

friends.

FL 1.3 - Identify how career choice, education, skills and

economic conditions affect income

Pupils able to:

• identify various job in the community and the related

earnings.

• recognise  the difference between a career and a job

FL2 -  Financial Responsibility and Decision Making

FL 2.1 - Take responsibility for personal financial decisions

Pupils able to:

• list examples of financial decisions and their possible

consequences.

• identify ways to be a financially responsible pupil.

FL3 - Money Management and Planning

FL 3.2 - Demonstrate the ability to set goals based on wants

and needs

Pupils able to:

• define goals.

• identify a personal goal.

BAHASA MALAYSIA

TAHUN 5
Page 160-166

FL1 -  Money, Source of Income and Career Choice

FL 1.2 - Identify sources of income and alternative sources.

Pupils able to:

• recognise multiple sources of income as well as alternative

sources (from jobs or gifts) of family members, neighbours,

friends.

FL 1.3 - Identify how career choice, education, skills and

economic conditions affect income

Pupils able to:

• identify various job in the community and the related

earnings.

• recognise  the difference between a career and a job

FL2 -  Financial Responsibility and Decision Making

FL 2.1 - Take responsibility for personal financial decisions

Pupils able to:

• list examples of financial decisions and their possible

consequences.

• identify ways to be a financially responsible pupil.

FL3 - Money Management and Planning

FL 3.2 - Demonstrate the ability to set goals based on wants

and needs

Pupils able to:

• define goals.

• identify a personal goal.

BAHASA MALAYSIA

TAHUN 5
Page 168-169

FL3 -  Money Management and Planning

FL 3.4 - Develop a system for keeping and using financial

records.

Pupils able to:

• demonstrate the ability to record spending and  saving of

daily pocket money.

FL4 - Savings and Investments

FL 4.1 - Discuss how savings contributes to financial well-

being.

Pupils able to:

• provide reasons for saving money.

• recognize that money can be saved to meet future

needs and wants.

• explain importance of savings in relation to future

needs/financial goals.

FL 4.3 - Evaluate investment alternatives.

Pupils able to:

• explain difference between saving in a piggy bank and in

a financial institution.

• list the advantages of saving money with  financial

institutions.

• identify various options for savings/investing.

FL6 -  Risk Management, Wealth Protection and

Insurance

FL6.3 - Explain the purpose and importance  of

insurance/takaful protection

Pupils able to:

• explain the importance of insurance that can help reduce

financial burden due to accident, illness, death, etc.

BAHASA MALAYSIA

TAHUN 5
Page 168-169

FL3 -  Money Management and Planning

FL 3.4 - Develop a system for keeping and using financial

records.

Pupils able to:

• demonstrate the ability to record spending and  saving

of daily pocket money.

FL4 - Savings and Investments

FL 4.1 - Discuss how savings contributes to financial well-

being.

Pupils able to:

• provide reasons for saving money.

• recognize that money can be saved to meet future

needs and wants.

• explain importance of savings in relation to future

needs/financial goals.

FL 4.3 - Evaluate investment alternatives.

Pupils able to:

• explain difference between saving in a piggy bank and

in a financial institution.

• list the advantages of saving money with  financial

institutions.

• identify various options for savings/investing.

FL6 -  Risk Management, Wealth Protection and

Insurance

FL6.3 - Explain the purpose and importance  of

insurance/takaful protection

Pupils able to:

• explain the importance of insurance that can help

reduce financial burden due to accident, illness, death,

etc.

BAHASA MALAYSIA

TAHUN 5
Page 170-171

FL1 -  Money, Source of Income and Career

Choice

FL 1.1 - Explain what money is.

Pupils able to:

• make calculations necessary to check receipts

and monitor their spending.

FL3 -  Money Management and Planning

FL 3.1 - Make financial decisions by systematically

considering alternatives and consequences.

Pupils able to:

• apply systematic decision making which

includes savings, spending and giving.

FL 3.2 - Demonstrate the ability to set goals based

on wants and needs

Pupils able to:

• define wants and needs.

• explain difference between wants and needs.

FL 3.3 - Develop a plan for spending and savings.

Pupils able to:

• explain prioritization factors to consider when

determining expense-related decisions.

BAHASA MALAYSIA

TAHUN 5
Page 170-171

FL1 -  Money, Source of Income and Career

Choice

FL 1.1 - Explain what money is.

Pupils able to:

• make calculations necessary to check receipts

and monitor their spending.

FL3 -  Money Management and Planning

FL 3.1 - Make financial decisions by systematically

considering alternatives and consequences.

Pupils able to:

• apply systematic decision making which

includes savings, spending and giving.

FL 3.2 - Demonstrate the ability to set goals based

on wants and needs

Pupils able to:

• define wants and needs.

• explain difference between wants and needs.

FL 3.3 - Develop a plan for spending and savings.

Pupils able to:

• explain prioritization factors to consider when

determining expense-related decisions.

BAHASA MALAYSIA

TAHUN 5
Page 172-173

FL1 -  Money, Source of Income and Career

Choice

FL 1.1 - Explain what money is.

Pupils able to:

• identify currencies  of different countries.

FL 1.5 - Describe how to use different financial

instruments

Pupils able to:

• identify different ways to pay for items (cash,

cheque, credit, debit and pre-paid cards).

• explain how non-cash methods of payment still

require adequate funds.

FL3 -  Money Management and Planning

FL 3.3 - Develop a plan for spending and savings.

Pupils able to:

• make simple decisions and consideration on

how to spend money.

BAHASA MALAYSIA

TAHUN 5
Page 172-173

FL1 -  Money, Source of Income and Career

Choice

FL 1.1 - Explain what money is.

Pupils able to:

• identify currencies  of different countries.

FL 1.5 - Describe how to use different financial

instruments

Pupils able to:

• identify different ways to pay for items (cash,

cheque, credit, debit and pre-paid cards).

• explain how non-cash methods of payment still

require adequate funds.

FL3 -  Money Management and Planning

FL 3.3 - Develop a plan for spending and savings.

Pupils able to:

• make simple decisions and consideration on

how to spend money.

BAHASA MALAYSIA

TAHUN 5
Page 174-176

FL1 -  Money, Source of Income and Career Choice

FL 1.2 - Identify sources of income and alternative sources.

Pupils able to:

• recognise multiple sources of income as well as alternative

sources (from jobs or gifts) of family members, neighbours,

friends.

FL3 - Money Management and Planning

FL 3.3 - Develop a plan for spending and savings.

Pupils able to:

• discuss what children can spend pocket money on.

• create personal daily budget.

• make simple decisions and consideration on how to spend

money.

• create weekly and monthly budget.

• describe concept of a spending plan.

• recognise that every  spending decision has an opportunity

cost.

FL 3.4 - Develop a system for keeping and using financial

records.

Pupils able to:

• demonstrate the ability to record spending and  saving of

daily pocket money.

• demonstrate the ability to keep record of spending and

saving of daily pocket money.

FL 3.5 - Apply consumer skills to spending decisions

Pupils able to:

• determine the items as “needs” or “wants”  before spending

money with  financial institutions

BAHASA MALAYSIA

TAHUN 5
Page 174-175

FL1 -  Money, Source of Income and Career Choice

FL 1.2 - Identify sources of income and alternative

sources.

Pupils able to:

• recognise multiple sources of income as well as

alternative sources (from jobs or gifts) of family

members, neighbours, friends.

FL3 - Money Management and Planning

FL 3.3 - Develop a plan for spending and savings.

Pupils able to:

• discuss what children can spend pocket money on.

• create personal daily budget.

• make simple decisions and consideration on how to

spend money.

• create weekly and monthly budget.

• describe concept of a spending plan.

• recognise that every  spending decision has an

opportunity cost.

FL 3.4 - Develop a system for keeping and using financial

records.

Pupils able to:

• demonstrate the ability to record spending and  saving

of daily pocket money.

• demonstrate the ability to keep record of spending and

saving of daily pocket money.

FL 3.5 - Apply consumer skills to spending decisions

Pupils able to:

• determine the items as “needs” or “wants”  before

spending money with  financial institutions

BAHASA MALAYSIA

TAHUN 5
Page 176

FL4 - Savings and Investments

FL 4.3 - Evaluate investment alternatives.

Pupils able to:

• explain difference between saving in a piggy

bank and in a financial

• institution.

• list the advantages of saving money with

financial institutions

BAHASA MALAYSIA

TAHUN 5
Page 178-179

FL3 -  Money Management and Planning

FL 3.1 - Make financial decisions by

systematically considering alternatives and

consequences.

Pupils able to:

• explain various ways of saving (e.g. water,

electricity and telephone).

BAHASA MALAYSIA

TAHUN 5
Page 178-179

FL3 -  Money Management and Planning

FL 3.1 - Make financial decisions by

systematically considering alternatives and

consequences.

Pupils able to:

• explain various ways of saving (e.g. water,

electricity and telephone).

BAHASA MALAYSIA

TAHUN 5
Page 211-212

FL2 -  Financial Responsibility and Decision Making

FL 2.1 - Take responsibility for personal financial decisions

Pupils able to:

• list examples of financial decisions and their possible

consequences.

• identify ways to be a financially responsible pupil.

FL 2.2 - Find and evaluate financial information from a variety

of sources.

Pupils able to:

• give examples of situations in which financial information

would lead to better decisions.

FL3 -  Money Management and Planning

FL 3.5 - Apply consumer skills to spending decisions

Pupils able to:

• compare prices for the same item at two different shops

• compare prices for the same item but different made at

different shops/same shop.

FL6 – Risk Management, Wealth Protection and Insurance

FL 6.1 - Establish strategies for protection of identity.

Pupils able to:

• list types of personal information that should not be

disclosed to others and the possible consequences of

doing so.

BAHASA MALAYSIA

TAHUN 5
Page 211-212

FL2 -  Financial Responsibility and Decision Making

FL 2.1 - Take responsibility for personal financial decisions

Pupils able to:

• list examples of financial decisions and their possible

consequences.

• identify ways to be a financially responsible pupil.

FL 2.2 - Find and evaluate financial information from a variety

of sources.

Pupils able to:

• give examples of situations in which financial information

would lead to better decisions.

FL3 -  Money Management and Planning

FL 3.5 - Apply consumer skills to spending decisions

Pupils able to:

• compare prices for the same item at two different shops

• compare prices for the same item but different made at

different shops/same shop.

FL6 – Risk Management, Wealth Protection and Insurance

FL 6.1 - Establish strategies for protection of identity.

Pupils able to:

• list types of personal information that should not be

disclosed to others and the possible consequences of

doing so.

BAHASA MALAYSIA

TAHUN 5


ba6 001

ba6 002

ba6 003

ba6 004

tajuk 1 (1)

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