---
title: "SSEPF3: Savers to Investors Flow (Georgia Social Studies standard)"
code: SSEPF3
cite_as: Georgia Standards of Excellence, Social Studies, SSEPF3
subject: social_studies
grades:
  - high-school
language: en
canonical_url: https://georgiahomeroom.org/standards/code/SSEPF3
md_url: https://georgiahomeroom.org/standards/code/SSEPF3.md
alternate_language_url: https://georgiahomeroom.org/es/standards/code/SSEPF3.md
source_url: https://case.georgiastandards.org/ims/case/v1p1/CFDocuments/a446e74c-463e-11e7-94f5-b49cee8b2d8c
source_last_changed: 2025-02-04
data_built: 2026-09-18
publisher: Georgia Homeroom, a free public-interest project of Georgia Civic Data. Not affiliated with or endorsed by the Georgia Department of Education or any school district.
up: https://georgiahomeroom.org/standards/social_studies/high-school.md
index: https://georgiahomeroom.org/standards/index.md
---

# SSEPF3: Savers to Investors Flow

Explain how the financial system channels funds from savers to investors.

- Subject: Social Studies
- Appears in: High School, https://georgiahomeroom.org/standards/social_studies/high-school.md

## Expectations

- **SSEPF3a**: Explain the roles/functions of money as a medium of exchange, store of value, and unit of account/standard of value.
- **SSEPF3b**: Compare services offered by different financial institutions, including banks, credit unions, payday lenders, and title pawn lenders.
- **SSEPF3c**: Compare and contrast cash, debit cards, credit cards, prepaid cards and mobile payment apps in terms of how they work, acceptability, and the costs and benefits associated with each.
- **SSEPF3d**: Evaluate the risk and return of a variety of savings and investment options, including: savings accounts, certificates of deposit, retirement accounts (i.e. Roth IRA, 401K, 403b), stocks, bonds, 529 accounts, and mutual funds and explain the importance of diversification when investing.
- **SSEPF3e**: Describe the role of speculative investments (i.e. cryptocurrency and historical examples like buying on margin in the 1920’s).

## Georgia Milestones coverage

No Georgia Milestones blueprint cites this standard.

Source: Georgia Standards of Excellence, published by the Georgia Department of Education at case.georgiastandards.org.