MS-F1
Money Matters
Solve problems involving earning, spending and budgeting money, including wages, taxation, and simple/compound interest.
Sample questions
- 1.Calculate the compound interest on $8 000 invested at 5% p.a. compounded quarterly over 3 years.
- 2.Jake earns $21.40/h and works 38 hours/week. Calculate his gross annual salary.
Exam weighting
4–6 marks — very practical, always appears in Section II.
Common student mistakes
- ·Confusing simple interest with compound interest formulas
- ·Not converting the interest rate to a decimal
- ·Forgetting to subtract the principal when finding interest earned
MS-F4
Investments and Loans
Analyse and compare investments and loans using tables, graphs and algebraic methods including reducing-balance loans.
Sample questions
- 1.Using the given loan table, find the outstanding balance after 6 months and the total interest paid.
Exam weighting
4–6 marks — table interpretation is a common question type.
Common student mistakes
- ·Confusing the principal with the outstanding balance in a loan table
- ·Misidentifying the interest component vs repayment component
MS-F5
Annuities
Solve problems involving annuities using geometric series; interpret future and present value tables.
Sample questions
- 1.$500 is deposited at the end of each month into an account earning 6% p.a. compounded monthly. Find the value after 5 years.
Exam weighting
3–4 marks — typically the hardest financial topic.
Common student mistakes
- ·Using the wrong formula (future value vs present value)
- ·Not recognising that regular payments form a geometric series
Other Standard 2 topics
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