Teens (13+ years)
Financial decisions without real risk
Valentina (14) — Laura's family
Valentina has 1,200 coins available. She decides: 400 coins in a 12-month term deposit (60% virtual interest → 640 at maturity), 300 coins invested in "Electric Cars" (virtual stock), and 500 coins liquid for the month. After one month, Electric Cars rises 8% — she gains 24 virtual coins. Solar Energy in her portfolio drops 5% — a family conversation about diversification. She wants concert tickets (2,000 coins): she negotiates early withdrawal from the term deposit and understands the 20% penalty and lost interest.
Key moment: The "aha" moment: first simulated gain or loss — and talking about it as a family.
Key features for this stage
| Feature | Why this age | Example setup |
|---|---|---|
| Term deposits | Patience and compound interest | 500 coins × 6 months @ 25% |
| Simulated investments | Risk, reward, diversification | 100 in Video Games, 50 in Solar Energy |
| Transaction history | Reflect on decisions | Review monthly gains and losses |
| Negotiated withdrawals | Responsible spending | Concert tickets = 2,000 coins |
Other age stages
Practice investing before real money
Themed stocks in the app
FAQ
Is this real investing?
No. Prices follow an educational algorithm — not real markets. It is practice before handling real money.
What happens with early term deposit withdrawal?
A 20% penalty on the principal applies and accrued interest is forfeited — just like a simplified real-world lesson.
Should teens manage everything alone?
You configure access and approve sensitive actions. The app supports autonomy with parental oversight.