CROSSING BAYABAS NATIONAL HIGH SCHOOL

LESSON PLAN IN GENERAL MATHEMATICS- GRADE 11

L.C. Find the future value and present value of general annuity.

I. Objectives
At the end of the 2-hour period, the students will be able to:
1. define general annuity and general ordinary annuity.
2. express the importance of knowing future and present value of a general
annuity.
3. solve the future and present value of a general annuity.

II. Subject Matter

Topic: Future and present value of a general annuity
Concepts: The present value of an annuity is the sum that must be invested now to
guarantee a desired payment in the future, while the future value of an annuity is the
amount to which current investments will grow over time.
Value(s):
Reference(s):
Department of Education (2016).General Mathematics. Department of Education.
pp. 183-188.

Materials: powerpoint

III. Procedure
A. Preliminary Activities
1. Prayer
2. Checking of attendance
3. Review of the previews topic
4. Motivation
Use these teaser questions to trigger curiosity and create expectation from the
students of the topic:
a. Have you already tried to invest your money?
b. Have you tried to borrow money to someone?
c. Were you aware of the amount that you will gain or pay in the future?

B. Lesson Proper
1. Definition of terms:
a. General Annuity
b. General Ordinary Annuity
c. Future and Present Value of a General Ordinary Annuity
d. Cash Flow
2. Present the formula in solving Future and Present Value of a General Ordinary
Annuity
3. Demonstrate how to solve the Future and Present Value of a General Ordinary
Annuity using the presented formulas.
4. Present a diagram for every solution that will show the cash flow in every
problem.
 C. Analysis.
1. From the discussion stated above, give one problem each for Future and Present
Value of a General Ordinary Annuity.
2. Let the students solve each problem for 10 minutes.
3. After solving the problem individually proceed to the brainstorming.

D. Abstraction. Brainstorming
1. Group the class into five (5).
2. Let the students collaborate and compare their solutions with your group mates.
This will help the student gather and share their ideas to easily understand the topic.
3. Ask one representative from every group to present their answers in the class.

E. Application. 15 Minutes to Win it!

1. Using the same group from the brainstorming, let each group solve a problem for future
value and present value of general annuity in 15 minutes.
2. Whoever group get the answer correctly in 15 minutes wins.

IV. Assessment.

a. Written Quiz (Individual Work)

Direction: Solve the given problems. Show your solution using the formula. Each item is worth
10 points.

1. Jack deposited ₱1,000 monthly in the bank that pays 3% compounded semi-annually.
How much will be in his bank account after 10 years?

2. Tina borrowed money from James. She agrees to pay the principal plus interest by paying
₱15,000 each year for 5 years. How much money did she borrowed if the interest is
compounded quarterly?

b. Daily Doze- Lesson Closure Activity

Direction: Let the student choose one starting phrase from a generic list to respond about
today’s lesson.

1. The thing that made the most sense to me today was…

2. When someone asks me what I did in math today, I can say…
3. I enjoyed…
4. The most important concept that we discussed today was…
5. The thing we did in class today that best fit my learning style was…

V. Assignment

Direction: Solve the given problems. Show your solution using the formula. Each item is worth
10 points. Put your output on a ½ sheet of paper. Due on Thursday.

1. Ron saves ₱3,000 monthly in a fund with 5% compounded quarterly. How much will be
his savings after 5 years?
2. Jessica borrowed money from a lending company. She agrees to pay the principal amount
plus interest by paying ₱20,000 each year for 10 years. How much money she needs to
pay if the interest is compounded annually?

Prepared by:

JENNIFER PADRONIA BALAIS

Teacher II-Senior High School