AI-Enhanced Personal Finance and Investments

This unit integrates foundational personal finance, taxation, and business concepts with practical investing topics and AI-enabled tools. Students explore budgeting, taxes, estate and college planning, asset classes (stocks, ETFs, precious metals, real estate, CBDCs), robo-advisors, and the limits, biases, and fraud risks of AI in investment decision-making.

Learning Objectives

• Analyze how AI-driven platforms, robo-advisors, and specialized investing resources influence research workflows, security selection, and portfolio construction for a variety of investor profiles
• Apply budgeting, tax, and estate-planning principles to develop and justify comprehensive financial scenarios that include income taxes, tax deductions for investors, and college and estate considerations
• Evaluate the relative risk-return characteristics of diverse asset classes (including AI-related stocks, sector-specific investments, ETFs, precious metals, and direct real estate) and recommend asset allocations aligned with stated goals
• Demonstrate methods to detect and mitigate bias, misinformation, and fraud in AI-generated financial guidance by corroborating outputs with multiple authoritative sources and regulatory/ethical considerations