School: EMILIO JACINTO NATIONAL HIGH SCHOOL Grade Level: 11

GRADES 1 to 12
General
DAILY LESSON LOG
Teacher: Joemila C. Razo, Lpt Learning Area: Mathematics
Teaching Dates and
nd
Time: October 14 – 18, 2024 Quarter: 2 Quarter

DAY 1 DAY 2 DAY 3 DAY 4

Objectives must be meet over the week and connected to the curriculum standards. To meet the objectives, necessary procedures must be followed and if
I. OBJECTIVES needed, additional lessons, exercises and remedial activities may be done for developing content knowledge and competencies. These are using Formative
Assessment strategies. Valuing objectives support the learning of content and competencies and enable children to find significance and joy in learning the
lessons. Weekly objectives shall be derived from the curriculum guides.
A. Content Standards: The learner demonstrates understanding of key concepts of simple and compound interests, and simple and general annuities.
B. Performance Standards: The learner is able to investigate, analyze and solve problems involving simple and compound interests and simple and general annuities using appropriate
business and financial instruments
C. Learning Competencies/ The learner…
Objectives:
● illustrates simple and general annuities (M11GM-IIc-1);
Write the LC Code for
each ● distinguishes between simple and general annuities (M11GM-IIc-2);

● finds the future value and present value of both simple annuities and general annuities (M11GM-IIc-d-1);

● defines simple and general annuities;

● illustrates and distinguishes between simple and general annuities;

● shows patience in illustrating simple and general annuities through its time interval.
Content is what the lesson is all about. It pertains to the subject matter that the teacher aims to teach. In the CG, the content can be tackled in a week or
II. CONTENT two.

Future Value of Simple Annuity Future Value of Simple Annuity Future Value of Simple Annuity

Lists the materials to be used in different days. Varied sources of materials sustain children’s interest in the lesson and in learning. Ensure that there is a mix
III. LEARNING RESOURCES of concrete and manipulative materials as well as paper-based materials. Hands-on learning promotes concept development.
1. References
1. Teacher’s Guide Pages
2. Learner’s Materials
Pages

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 School: EMILIO JACINTO NATIONAL HIGH SCHOOL Grade Level: 11
GRADES 1 to 12
General
DAILY LESSON LOG
Teacher: Joemila C. Razo, Lpt Learning Area: Mathematics
Teaching Dates and
nd
Time: October 14 – 18, 2024 Quarter: 2 Quarter

3. Textbook Pages
4. Additional Materials https://drive.google.com/file/d/ https://drive.google.com/file/d/ https://drive.google.com/file/d/
from Learning 1w_esTLJWXDZ1z0cnd- 1w_esTLJWXDZ1z0cnd- 1w_esTLJWXDZ1z0cnd-
Resource (LR) portal 7cIHkVqfD3wF0K/view 7cIHkVqfD3wF0K/view 7cIHkVqfD3wF0K/view
2. Other Learning https://www.investopedia.com/ https://www.investopedia.com/ https://www.investopedia.com/
Resources terms/f/future-value-annuity.asp terms/f/future-value-annuity.asp terms/f/future-value-annuity.asp

DAY 1 DAY 2 DAY 3 DAY 4

IV. PROCEDURES
A. Reviewing Previous GROW YOUR WEALTH! DEFINE AND DISCOVER BOARDWORK
Lesson or Presenting Read the given scenario. Define the following terms and Answer this on the board.
the New Lesson One day, your parents told you that provide your own examples for Mrs. Gamboa avails an educational plan
you will receive ₱3 000 monthly, and each. You may read your payable for 15 years for her daughter.
they told you that you must grow the assignment and provide then She agrees to pay ₱2 500 at the
money that you will receive within 2 provide your own made example. beginning of every month. The plan
years. What will you do? Kinds of Annuity Certain earns a 3% interest rate compounded
1. Simple annuity -is an annuity monthly. What amount will she receive
On a sticky note, write your ways on certain whose compounding period after 15 years?
how to make your money grow for 2 is the same as the payment
years. interval.
B. Establishing a Purpose SHARE YOUR ANSWERS 2. General annuity- is an annuity
for the Lesson From the answers posted, answer the certain whose compounding period
following questions. is not the same as the payment
1. What do you think are the different interval.
ways of growing your money? Types of Annuities Based on Time
2. Is it wise to just keep the money in of Periodic Payment
a piggy bank? Why do you think so?

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 School: EMILIO JACINTO NATIONAL HIGH SCHOOL Grade Level: 11
GRADES 1 to 12
General
DAILY LESSON LOG
Teacher: Joemila C. Razo, Lpt Learning Area: Mathematics
Teaching Dates and
nd
Time: October 14 – 18, 2024 Quarter: 2 Quarter

C. Presenting Saving money in a 1. Ordinary annuity - is an annuity

Examples/Instances of piggy bank teaches in which the periodic payment is
the Lesson the value of saving, made at the end of each payment
but it doesn’t help interval.
your money grow. 2. Annuity due - is an annuity in
which the periodic payment is
Investing your money is better than made at the beginning of each
saving it in a piggy bank, as it offers the payment interval.
potential for growth through interest,
dividends, and capital appreciation,
helping your savings outpace inflation
and increase your wealth over time.
D. Discussing New DEFINE AND DISCOVER FUTURE VALUE OF A SIMPLE
Concepts and Give your own example of the term. ANNUITY
Practicing New Skills #1 Annuity – a sum of money that is paid - The total of the payments and
in regular equal payments. interest earned at a certain date in
Example: the future.
Installment payments, monthly rentals, We use the following formula to
and life insurance premiums are calculate the future value of an
annuities. ordinary annuity, denoted by FV.

[ ]
Payment Interval – the period of time n
(1+r ) −1
between consecutive payments. FV =P
Example: r
Ged buys a new smartphone and where,
agrees to pay it via installment. He will P = periodic payment,
pay ₱1 500 every month for 2 years. In i
r = rate per period, given by r = ,
this case, the payment interval of the m
annuity is monthly. where i is the interest rate and m is
Term – the time from the beginning of the number of compounding
the first payment interval to the end of periods within a year, and n =
the last payment interval. number of periods given by n = t ∙
Example: m, where t is the length of the term
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 School: EMILIO JACINTO NATIONAL HIGH SCHOOL Grade Level: 11
GRADES 1 to 12
General
DAILY LESSON LOG
Teacher: Joemila C. Razo, Lpt Learning Area: Mathematics
Teaching Dates and
nd
Time: October 14 – 18, 2024 Quarter: 2 Quarter

Ged buys a new smartphone and in years.

agrees to pay it via installment. He will Example:
pay ₱1 500 every month for 2 years. In Ms. Garcia deposits ₱1 500 at the
this case, the term of the annuity is 2 end of every month and earns 3%
years. interest compounded monthly.
After 10 years, her money is ₱209
612.13.
It is a future value of an annuity
since Ms. Garcia will claim the
money at a future date.

DAY 1 DAY 2 DAY 3 DAY 4

These steps should be done across the week. Spread out the activities appropriately so that students will learn well. Always be guided by demonstration of learning by the students which you can
IV. PROCEDURES infer from formative assessment activities. Sustain learning systematically by providing students with multiple ways to learn new things, practice their learning, question their learning processes,
and draw conclusions about what they learned in relation to their life experiences and previous knowledge. Indicate the time allotment for each step .
E. Discussing New MIX AND MATCH FUTURE VALUE OF AN ANNUITY
Concepts and In column A, you will see the type of DUE
Practicing New Skills annuity based on payment duration and For the future value of an annuity
#2 its definition, match the given to the due, denoted by FVAD, we use the
example in column B. following formula.

[ ]
n
(1+r ) −1
Column A FV AD=(1+r )∙ P
1. Annuity certain - is an annuity r
payable for a definite duration. It where,
means that this annuity begins and P = periodic payment,
ends on a definite date. r = rate per period, given by r =i/m,
2. Perpetuity - an annuity payable over where i is the interest rate and m is
a term that has a definite start date but the number of compounding
no definite end date. periods within a year, and n =
3. Contingent annuity - is an annuity number of periods, given by n = t ∙

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 School: EMILIO JACINTO NATIONAL HIGH SCHOOL Grade Level: 11
GRADES 1 to 12
General
DAILY LESSON LOG
Teacher: Joemila C. Razo, Lpt Learning Area: Mathematics
Teaching Dates and
nd
Time: October 14 – 18, 2024 Quarter: 2 Quarter

payable for an indefinite duration. m, where t is the length of the term

It means that the beginning or the in years.
termination is dependent on some
certain event.

Column B
A. Payment of housing rent
B. Arya buys a new laptop and agrees to
pay through installment. She will
pay ₱2 500 every month for 2 years.
C. Insurance and pension payments are
contingent annuities.

F. Developing Mastery ANNUITY EXPLORATION DEVELOP AND DEMONSTRATE INDIVIDUAL PRACTICE

(Leads to Formative In groups of 3-4 (CCS A and B) or 6 to 7 Problem 1: Mrs. Gutierrez wants to purchase
Assessment 3) (STEM B), create a scenario where Erika deposits ₱1 000 at the end of a retirement plan. Two
someone is making regular payments every 3 months in an account that companies offer different
for a purchase (e.g., a car, a laptop, pays 3% compounded quarterly. policies.
etc.). Include details such as the total How much will the amount in the
cost, the amount of each payment, the account be after 5 years? In Company A, she has to deposit
payment interval (monthly, quarterly, ₱3 000 at the beginning of every
etc.), and the total term. 1. Identify the given information month. Her account
Calculate the total amount paid over from the problem. Write it on the will earn a 2.4% interest
the entire term. board. compounded monthly.
Present your scenario to the class, P = 1 000
explaining the key components: i = 3% = 0.03 In Company B, she has to deposit
annuity, payment interval, and term. i 0.03 ₱9 000 at the end of every three
After each group presents, discuss how r= = =0.0075 months. Her
m 4
understanding these concepts can help t=5 account will earn 1.2% interest
in making informed financial decisions. n = m ⋅ t = 4 ⋅ 5 = 20 compounded quarterly.
Consider questions like:
 How does knowing the term Both policies are payable for 20
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 School: EMILIO JACINTO NATIONAL HIGH SCHOOL Grade Level: 11
GRADES 1 to 12
General
DAILY LESSON LOG
Teacher: Joemila C. Razo, Lpt Learning Area: Mathematics
Teaching Dates and
nd
Time: October 14 – 18, 2024 Quarter: 2 Quarter

affect your decision to make a 2. Determine the kind of annuity years.

purchase? illustrated in the problem.
 What might be the benefits or - It is a simple ordinary annuity
downsides of using an annuity since the payment is made at the
for payment? end of every three months.
Example Scenario (for reference):
 Purchase: Laptop 3. Solve for the future value of the
 Total Cost: ₱60,000 ordinary annuity.

[ ]
 Payment Amount: ₱3,000 (1+r ) −1
n
 Payment Interval: Monthly FV =P
 Term: 2 years (24 months) r

[ ]
20
Write the answers on a given bond (1+0.0075) −1
paper and tape it on the board. FV =1000
0.0075
G. Finding Practical Based on your computations,
Applications of FV =21,491.22 Which of these policies should
Concepts and Skills in Thus, Erika will have ₱21 491. 22 in she choose?
Daily Living her account after 5 years.

Problem 2:
Mr. Pete deposits ₱15 000 every
beginning of the month for his
savings. He wants to know how
much his monthly savings will be
after 2 years if it is compounded
monthly at 1%.
Try this and use the formula for
future value of an annuity due.

[ ]
n
(1+r ) −1
FV AD=(1+r )∙ P
r

FV AD=( 1+0.00083 ) ∙ 15000 [ (1+ 0.00083 )24−1

0.00083 ]
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 School: EMILIO JACINTO NATIONAL HIGH SCHOOL Grade Level: 11
GRADES 1 to 12
General
DAILY LESSON LOG
Teacher: Joemila C. Razo, Lpt Learning Area: Mathematics
Teaching Dates and
nd
Time: October 14 – 18, 2024 Quarter: 2 Quarter

FV AD=363,774.07

MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY

These steps should be done across the week. Spread out the activities appropriately so that students will learn well. Always be guided by demonstration of
V. PROCEDURES learning by the students which you can infer from formative assessment activities. Sustain learning systematically by providing students with multiple ways to
learn new things, practice their learning, question their learning processes, and draw conclusions about what they learned in relation to their life experiences
and previous knowledge. Indicate the time allotment for each step.
H. Making HOW ABOUT YOU? The future value of a simple annuity
Generalizations and 1. In what real-life situations have represents the total amount
Abstractions about you encountered the accumulated at a specific future
the Lesson concept of the future value of an date, including both the sum of all
annuity? payments made and the interest
2. How does knowing the concept earned on those payments over
of the future value of time. This concept emphasizes the
annuity help you in decision- importance of regular contributions
making regarding finances? and the effect of compound interest
in growing savings or investments.
I. Evaluating Learning ACTIVITY QUIZ
Determine the periodic payment A. Determine the periodic payment
(P), rate per period (r), and the (p), rate per period (r), and number
number of periods (n) of the of periods (n) of the following
following situations which involve situations which involve future
the future value of an annuity. value of annuity.
a. A businessman saves ₱5 000 1. Quarterly payment of ₱12 000 for
every month and earns 1.5% 5 years with interest rate of 2.2%
interest compounded monthly for compounded
3 years. quarterly.
b. For 8 years, deposits of ₱2 500
are made at the end of every three a. P: ________________________
months to an account that earns
5% interest compounded
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 School: EMILIO JACINTO NATIONAL HIGH SCHOOL Grade Level: 11
GRADES 1 to 12
General
DAILY LESSON LOG
Teacher: Joemila C. Razo, Lpt Learning Area: Mathematics
Teaching Dates and
nd
Time: October 14 – 18, 2024 Quarter: 2 Quarter

quarterly. b. r: ________________________

c. n: ________________________
B. Analyze the given problem and
solve for what is asked. Show your
complete solution.
1. Find the future value of an
ordinary annuity with a regular
payment of ₱8 000 every
quarter and an interest rate of 5%
compounded quarterly for 3 years.
4. Mr. Mendoza plans to open an
investment account. There are two
banks he is considering. In Bank A,
he should deposit ₱4 000 at the
beginning of every month, and it
earns 4.2% interest compounded
monthly. In Bank B, he should
deposit ₱12 000 at the end of every
three months, and it earns 8%
interest compounded quarterly.
Which of the two options will
accumulate more money after 10
years?
J. Additional Activities for Assignment: Assignment:
Application or Search the following terms. Practice solving this at home for
Remediation 1. simple annuity our next meeting. Prepare for a
2. general annuity quiz.
3. ordinary annuity Mrs. Gamboa avails an educational
4. annuity due plan payable for 15 years for her
daughter. She agrees to pay ₱2
500 at the beginning of every
8 | Page
 School: EMILIO JACINTO NATIONAL HIGH SCHOOL Grade Level: 11
GRADES 1 to 12
General
DAILY LESSON LOG
Teacher: Joemila C. Razo, Lpt Learning Area: Mathematics
Teaching Dates and
nd
Time: October 14 – 18, 2024 Quarter: 2 Quarter

month. The plan earns a 3%

interest rate compounded
monthly. What amount will she
receive after 15 years?
VI. REMARKS

Reflect on your teaching and assess yourself as a teacher. Think about your student’s progress this week.
What works? What else needs to be done to help the students learn?
VI. REFLECTION Identify what help your instructional supervisors can provide for you so when you meet them, you can ask
them relevant questions.

A. No. of learners who earned 80% in the evaluation

B. No. of learners who require additional activities for remediation

C. Did the remedial lessons work? No. of learners who have caught up
with the lesson

D. No. of learners who continue to require remediation

E. Which of my teaching strategies work well? Why did these work?

F. What difficulties did I encounter which my principal or supervisor

can help me solve?
G. What innovations or localized materials did I used/discover which I
wish to share with other teachers?
9 | Page
 School: EMILIO JACINTO NATIONAL HIGH SCHOOL Grade Level: 11
GRADES 1 to 12
General
DAILY LESSON LOG
Teacher: Joemila C. Razo, Lpt Learning Area: Mathematics
Teaching Dates and
nd
Time: October 14 – 18, 2024 Quarter: 2 Quarter

PREPARED BY: CHECKED BY: APPROVED BY:

JOEMILA C. RAZO EMIL L. ESCALANTE DR. JOEY S. MANCIA

TEACHER II FOCAL PERSON, STEM SCHOOL P[RINCIPAL II

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