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Frameworks
FinComp
Competences
Competences
FinComp
Adults
1.1.1
Forms and use of Money
1.1.2
Notes and Coins
1.1.3
Foreign Exchange
1.2.1
Sources of Income
1.2.2
Pay Slips and Income Statements
1.2.3
Income Needs
1.2.4
Impact of Career Path on Income
1.3.1
Prices
1.3.2
Price Comparions
1.3.3
Purchases
1.3.4
Payment Methods and Transferring Money
1.3.5
Checking and Keeping Track of Payments and Purchases
1.3.6
Implications of Purchases
1.3.7
Sustainability Aspects of Prices and Purchases
1.4.1
Understanding and Signing Contracts
1.4.2
Financial Records
2.1.1
Monitoring income and expenses
2.1.2
Drawing a budget
2.2.1
Basics of managing income and expenses
2.2.2
Managing irregular and unexpected income and expenses
2.3.1
Saving goals and priorities
2.3.2
Savings buffers
2.3.3
Interest rates
2.3.4
Choosing saving products
2.3.5
Managing savings
2.4.1
Basics of investing
2.4.2
Share and fund prices
2.4.3
Choosing and diversifying investments
2.4.4
Crypto-assets and related digital developments
2.4.5
Shareholder rights
2.4.6
Sustainable investment
2.4.7
Commodities
2.4.8
Factors influencing investment decisions
2.5.1
Basics of long-term planning
2.6.1
Basics of pension planning
2.6.2
Categories of pension products
2.6.3
Managing pension products
2.6.4
Sustainability considerations for pensions
2.7.1
Considerations before asking for credit
2.7.2
Guarantors and collateral
2.7.3
Choosing credit
2.7.4
Risks of taking a credit
2.7.5
Application for credit and credit score
2.7.6
Repaying credit
2.7.7
Renegotiating a credit agreement
2.7.8
Overdrafts
2.7.9
Easy-access high-cost credit
2.8.1
Managing debt
2.8.2
Debt accrued from late payments
2.8.3
Difficulty to repay debt
3.1.1
Basics of risk
3.1.2
Sources of risks
3.1.3
Specific risks of digital products and services
3.2.1
Creating a safety net
3.2.2
Choosing insurance
3.2.3
Digital insurance provision
3.2.4
Insurance against climate-related risks
3.2.5
Government support
3.3.1
Relationship between risk and reward
3.3.2
Sustainability implications on risk and reward
4.1.1
Consumer Protection Regulations
4.1.2
Complaints
4.1.3
Personal Data Protection
4.2.1
Consumer rights and responsibilities
4.3.1
Financial Information
4.3.2
Financial Education
4.3.3
Financial Advice
4.3.4
Discussing financial matters
4.4.1
Characteristics of Financial Products and Services
4.4.2
Sustainability Preferences
4.4.3
Sustainability Labels and Standards
4.4.4
Disclosure
4.5.1
Scams and Fraud
4.5.2
Greenwashing
4.5.3
Personal Data Scams and Fraud
4.5.4
Reporting Scams and Frauds
4.6.1
Taxes and tax treatments
4.6.2
Taxes and Tax Treatments
4.7.1
External Influences
4.7.2
Macroeconomic Impact on Personal Finance
4.7.3
Advertising
4.7.4
Broader sustainability impact of personal finance decisions
Children and youth
1.1.1
Forms of Money
1.1.2
Role/purposes of money
1.1.3
Storing and accessing money
1.1.4
Handling money
1.1.5
Foreign currency and exchange
1.2.1
Income sources and levels
1.2.2
Income needs
1.3.1
Prices
1.3.2
Purchases
1.3.3
Payment Methods and Transferring Money
1.4.1
Financial records and contracts
2.1.1
Drawing up a budget
2.2.1
Monitoring and managing regular income and expenses
2.2.2
Managing irregular and unexpected income and expenses
2.3.1
Saving goals and priorities
2.3.2
Factors influencing savings
2.3.3
Choosing how to save
2.3.4
Managing savings
2.4.1
Basics of investing
2.4.2
Choosing investments
2.4.3
Crypto-assets and recent digital developments
2.4.4
Sustainable Investment
2.5.1
Retirement and pensions
2.6.1
Borrowing and lending money
2.6.2
Taking credit
3.1.1
General concept of risk, sources of risk and its impact on personal finance
3.2.1
Financial risk
3.2.2
Relationship between financial risk and reward
3.3.1
Choosing insurance
3.3.2
Managing financial risk
4.1.1
Overview of financial products, services and providers
4.2.1
Consumer Protection
4.3.1
Consumers’ rights and responsibilities
4.3.2
Financial services providers’ responsibilities
4.3.3
Personal data protection
4.4.1
Common types of scams and fraud, and means of protection
4.5.1
Financial information
4.5.2
Financial literacy and financial education
4.5.3
Financial advice
4.6.1
Purpose and impact of taxes
4.7.1
Macroeconomic impact
4.7.2
Advertising and impact of external pressure
4.7.3
Sustainability considerations