National Standards Alignment
The simulator is free, needs no sign-up, and fits a single class period.
| Standard | Students will know that | What they do in the simulator | Coverage |
|---|---|---|---|
| Investing 8-2 | Common financial assets include CDs, stocks and mutual funds | Choose among individual stocks, an S&P 500 index fund, CDs, a high-yield savings account and commodities | Direct |
| Investing 8-5, 12-6 | Pooled funds spread risk, and allocation should fit risk tolerance and time horizon | Compare an index-fund portfolio with a few hand-picked stocks over the same years | Direct |
| Investing 8-6, 12-3 | Investments carry different risk, and riskier assets tend to earn more over the long run | Compare CD and savings returns with stocks across 10 to 35 years | Direct |
| Investing 8-7 | Compounding builds the most wealth for people who invest over longer periods | Hold through a 20 or 35 year game and watch growth accelerate | Direct |
| Investing 12-2c | Assets with large price swings, such as precious metals and crypto, are speculative | Track gold and oil swings against stocks and the index fund, plus Bitcoin in Advanced mode | Direct |
| Investing 12-5 | Prices respond to market conditions, and downturns hit asset prices | Play through the 2000 to 2002, 2008 and 2022 down years in real annual data | Direct |
| Investing 12-13 | Investors judge results against a benchmark such as the S&P 500 | Compare each student's ending wealth with the S&P 500 index fund | Direct |
| Investing 12-9 | Behavioral biases lead to worse outcomes | Debrief who sold in a crash or chased last year's winner, and what it cost | With class discussion |
| Saving 12-1 | Savings options like CDs differ in rates and features | Compare CD and high-yield savings returns | Partial |
Standard codes refer to the National Standards for Personal Financial Education (2021), © Council for Economic Education and Jump$tart Coalition for Personal Financial Literacy.