Paper tradingVirtual portfolio
Build a virtual portfolio
Start with $100,000 in virtual capital, compare risk and return, and write a simple investment thesis.
Starting cash$100k
FocusRisk & return
Finance Lab
Experiment with markets before the crisis starts.
Finance Lab is the place to understand savings, loans, stocks, bonds, currencies, banks, debt, and risk before entering full simulations.
Launch Investment Challenge
Mini-lab pathway
Choose a mini-lab and test one market signal.
Each mini-lab focuses on one financial indicator, shows what moves it, and connects you to a related scenario.
Start with one signal.
Adjust the drivers, read the market reaction, then open the scenario that uses the same finance concept.
Mini-lab 1Market reaction
Stock Index
Stocks react to expected profits, interest rates, uncertainty, and investor confidence.
Stock index104
RatesConfidenceBank stability
Mini-lab 2Interest rates
Loan Affordability
Higher rates can reduce inflation and support the currency, but borrowing becomes more expensive.
Loan affordability62
Base rateInflationCurrency
Mini-lab 3Inflation
Real Savings
Savings need to be judged in real terms. If inflation is higher than the return, purchasing power falls.
Real savings-4.1%
InflationSavings rateFinancial education
Mini-lab 4Debt markets
Bond Yield
Investors demand higher yields when debt, deficits, inflation, or credibility risk becomes too large.
Bond yield6.8%
DebtDeficitCredibility
Mini-lab 5Consumer credit
Default Risk
Easy credit can lift consumption now, but excessive borrowing raises default risk later.
Default risk24
Credit rulesRatesHousehold income
Mini-lab 6Diversification
Portfolio Risk
Diversification spreads risk because the investor does not depend on one asset only.
Portfolio riskMedium
CashStocksBonds
Financial signals
Signals students learn to read.
These indicators appear across simulations so finance does not feel separate from economics.
Expected profits, rates, bank stress, and investor confidence
Debt sustainability, inflation, deficits, and repayment risk
Investor trust, trade balance, inflation, and interest-rate differentials
Policy predictability, controlled debt, low inflation, and financial stability
Loan quality, bank regulation, defaults, and liquidity
Inflation, interest income, uncertainty, and financial literacy
View all finance signals
Household Debt
Credit access, rates, income, and default risk
Credit Rating
Debt, deficits, growth prospects, and credibility
Cause and effect
How decisions move financial markets.
Raise interest rates
Inflation pressure can fall, currency may strengthen, stocks may weaken, and loans become expensive.
Issue more bonds
The government receives funding now, but debt and bond yields can rise if investors worry.
Increase bank regulation
Banking stability improves, but lending can slow if rules become too strict.
Loosen consumer credit
Consumption rises in the short run, while household debt and default risk increase.
Invest in financial education
Savings behavior improves, risky borrowing falls, and long-term stability rises.
Improve investor confidence
Stocks and currency can recover, yields may fall, and investment becomes easier.