Video: Why Plus Investing

Quickly understand why Plus Investing is the best way to teach young people how to invest for their future.

Using a hands-on approach, students will master expert-recommended investing behaviors that are easy to use. The goal is to make investing effective and easy, so more people do it sooner.

An investing simulation that teaches what students NEED to know about investing!

Even before the internet, stock market games have been a staple of economics, financial literacy, math, and business classes. Higher-order thinking skills, real-world relevance, and competitive gameplay make stock market games a fun and engaging addition.

The problems with traditional stock market games

For all the benefits of stock market games, there are some serious drawbacks.


How often are people given $100,000 to invest for a short period to make as much money as possible? Besides being unrealistic, being "given" $100,000 detaches investing from how most people obtain capital to invest: through working, earning, and saving.

Rewards risk, not thrift

The key to winning stock market games is to gamble on high-risk momentum or penny stocks, maximize margin trading, and hope for a home run. All reputable investment professionals discourage these behaviors, so why would we teach them to high school students?

Too often teaches the WRONG lessons

Students who profit with imaginary money may believe it is just as easy with real money. GameStop, Dogecoin, and Wall Street Bets ring a bell? Those who lose money or find it too complicated may avoid investing altogether. Or they may stick to "safe" investments like CDs. Students playing during a bear market are more likely to conclude that investing in the stock market is bad, while those investing during a strong bull market may overestimate their abilities. A recent Bankrate survey found only 23 percent of millennials say the stock market is the best place to invest long-term. However, for retirement, equity investing will be necessary to accumulate enough to be secure.

Omits the important lessons experts recommend

  • Using tax-advantaged strategies, such as investing in a 401(k) or IRA
  • Importance of getting "free money" with an employer 401(k) match
  • Investing in mutual funds and exchange-traded funds instead of individual stocks
  • Diversifying their investment portfolio

Plus Investing Investing teaches the skills and knowledge all students NEED and rewards the RIGHT investing behaviors.

The most important investing students need to learn about is investing for retirement. The insurance industry estimates today’s average youth will live to 100. Yet, few will have anything like a defined-benefit pension plan. Instead, they will be responsible for investing for their own retirement. The good news is that successful retirement investing is not difficult if you can follow some simple rules. +Investing combines managing adult finances and successfully budgeting for savings with retirement investing. What does +Investing teach?

  • Start early
  • Use tax-advantaged accounts
  • Invest in risk-appropriate funds
  • Diversify
  • Avoid high fees
  • Take advantage of an employer match
  • Stay the course through market ups and downs
  • Compounding is key to building wealth

Students Can Earn Three Investing Trophies

Video: Earning the Fully Invested Trophy
Video: Earning the Strategic Investor Trophy
Video:  Earning the Low-Cost Investor Trophy

Traditional stock market games versus Plus Investing Investing

Classic Stock Market GamesBudget Challenge Plus Investing Investing
Never mind where the money comes from. Four out of five households do not have savings to cover six months of expenses yet isn't it fun to manage $100k!? If the starting fantasy gift of $100k isn't enough, students can ‘borrow additional funds' to really make it exciting. Each student will start with the same modest amount in their 401(k) that represents some past savings. This is typically less than $5,000. However, students can add to that every pay period based on how well they can manage their budget.
Classic Stock Market GamesBudget Challenge Plus Investing Investing
Student been given funds to invest (typically $100,000). This money should be invested without consideration for real-world concerns such as the advantage of paying down high interest credit card debt, putting some of the money for an emergency fund, or any tax consequences of short-term capital gains. Funds to be invested are what the student is able to budget, while paying recurring bills and balancing competing goals such as establishing an emergency fund, paying down debt, paying all bills in full and on-time.
Classic Stock Market GamesBudget Challenge Plus Investing Investing
Yes, students can trade single stocks, bonds, and mutual funds. There are typically four types of trades: Buy, Sell, Short Sell, Short Cover. Emphasis is on speculative trades with big payoffs or big losses. Assumption is that any trading gains are taxable short-term gains though this is not reflected in account balances. Trading occurs in the student's 401(k) account and like most retirement accounts, trading is restricted to mutual funds. No common stock trading. Emphasis is on long-term real-word tax-advantaged investing.
Classic Stock Market GamesBudget Challenge Plus Investing Investing
No, most games do not assess or withhold short-term capital gains from earnings or reflect capital losses that can offset earned income. Increasing investible contributions to your 401(k) results in a lower effective tax rate which is reflected on the students bi-weekly pay stub and in a table, which shows the take-home pay and taxes withheld at different 401(k) contribution levels.
Classic Stock Market GamesBudget Challenge Plus Investing Investing
Invest in individual stocks with high volatility to buy or sell short based on prediction of stock movement over short period of time (days or weeks). Use leverage (margin trading) and short selling to maximize gains at the risk of catastrophic losses. Big gains are celebrated. Losses do not seem so bad since the money was "free". Investing in mutual funds with low fees for the long term; accepting more risk due to 35 to 45 years until retirement time horizon. Choose either passive proven strategies (stock index funds) or actives strategies (selecting funds expected to beat the index) with a long-term investment horizon. Taking advantage of the employer match to increase the investable funds. Students who are able to budget the greatest contributions will usually perform the best.
Classic Stock Market GamesBudget Challenge Plus Investing Investing
Yes. Stock market games use live data and execute trades at the end of each trading day. Yes. Budget Challenge uses historical data adjusted for inflation and executes trades at the end of each trading day. Historical data captures authentic market behavior but de-emphasizes frequent trading based on predictions of market movement.
Classic Stock Market GamesBudget Challenge Plus Investing Investing
Emphasis is on winning which is determined by the highest portfolio valuation at the end of the contest. Trophies are awarded for different investing behaviors: creating a portfolio with low fees, executing on a passive or active investing strategy, and choosing funds most appropriate for long-term retirement investing. Value of student's 401(k) plan is factored into overall performance score. The skill required to save for retirement while still paying other bills on time and reducing debt is reflected by the wholistic scoring of the simulation. The student's investing performance is part of an overall score that measures their demonstrated financial capability.
Classic Stock Market GamesBudget Challenge Plus Investing Investing
Students who win significant money learn that it is easy to make big money in the stock market by buying speculative stocks, day trading, and using margin. Students who lose significant money learn that the stock market is risky and that "they are not good at investing". These students may conclude it is better to keep their money in "safe" investments like CDs and money market accounts long-term rather than suffer big losses in the market. Students learn it is important to invest for retirement early in low fee stock mutual funds. That by investing in a tax-advantaged retirement account they actually pay less in income tax and do not pay annual tax on gains that accrue. They learn they should try to max out their employer’s 401(k) match, taking advantage of real “free” money.

Student Tutorial Videos


+Investing is available as an add on to the Budget Challenge simulation now. Request a quote for your school here.
The main objective of +Investing is to emphasize the importance of investing for retirement. The trophies, activities, and daily performance feedback will demystify this important topic and empower students to invest confidently for retirement in the future. The importance of this cannot be overstated. Defined benefit contribution plans have largely disappeared. According to current projections, the average high school student today will live to celebrate their 100th birthday. Almost all of our students will be responsible for their own retirement. Even if they work for an employer with a generous match, our students will still be responsible for selecting their own investments. +Investing gives them specific hands-on experience that will prepare them to succeed in this critical task.
To add +Investing is an additional $5 per license.
You do not have to do anything. We have already added enhancements to your students' 401(k) accounts. They now have an investment portfolio with 95% index fund/5% bond fund investment default. Their balances now show daily changes reflecting the change in their investments. So there are now more teachable moments and realism in the existing simulation. +Investing offers additional features, three trophies, and additional lessons, and resources.

You can try it out now for free! Log in or register for a teacher account and add a Teacher Play Account. You will be able to try out +Investing in the context of the full simulation and curriculum.

No. +Investing adds three additional trophies and the possibility of significant additional points as well as some other functionalities to the simulation. The good news is, there is a passive investing option, which is actually what most financial advisors recommend.
No, and this will not be an option in the future. +Investing is designed to illustrate the connection between saving money on a budget and how to invest those savings for retirement. Because of this, +Investing does not work without the students deciding how much to contribute to their retirement savings.