Congratulations on taking your first step toward financial wisdom! 🎉

Every decision you make is an attempt for you to secure a better future. You’ll explore real-world situations, learn how to handle uncertainty, and unlock levels as you go.

🏞️ Level 1: The Valley of Curiosity

Your journey starts at the Valley of Curiosity, a calm, earthy place where your first financial decisions shape your mindset. Here you will experience how patience and risk influence your growth.

Remember the question CashClimb asked you: Your parents gifted you ₹1000 for Diwali
Your are given 2 options on how to spend the money:
You were given 2 options, one being investing it and the other being spending it on new headphones. Now let us evaluate the consequences of each option:

Invest the ₹1000

Choose between stocks, mutual funds, or a savings account.

🛍️ Spend the ₹1000

Buy a new headphone or clothes and enjoy your reward now.

Now let us explore the consequences of each option

Option 1: Invest ₹1000

You take the risk, invest. The first week everything is going great. The market is stable and profitable. What errors and losses could you incur?
The next week is harder. The market dips your ₹1000 to a staggering ₹900. You loose ₹100.

Lesson: The market is a very uncertain. All you can do is take the risk because you never know what the outcome is. The day you don't invest, cashflow is high but the day you do, you incur heavy losses. All you can do is be a risk-taker while being patient.

Option 2: Spend ₹1000

You buy stylish new headphones. The first week, it looks cool, the audio quality is great but as time passes, you realize you want a newer model because you don't love the old one anymore. You also feel guilty for spending ₹1000 that you could have easily saved.

💡 Lesson: Spending is short-term. What you invest or save is long-term. No, that doesn't mean you don't buy new headphones but don't buy them unless you absolutely need it. You could have an old pair of earphones that are still working instead of immediately spending ₹1000 on new headphones. Building investments, while they are riskier than spending ₹1000 at once, is much more benficial.

What Does Investing Really Mean?

There are multiple definitions across the internet for investing but most of them are complicated. Think of investment or investing as a seed (your money) in a fertile ground (stock market, mutual funds).

Time and growth are like the sun and water. Give the seed sun and water, it grows into a beautiful plant. Give your money time and let it grow, it provides you more money in return.

The returns that you get for your investment (the extra money) are like fruits you get from the plant.

Concept	Term	Explanation
A way to grow your money	Investing	Putting money into something with the expectation that it will grow into more money. Where do you put the money? A company's stock, the bank or a mutual funds.
A piece of a company	Stock	A tiny slice of ownership of the company. You don't own the company but you own a very small part of the company, probably like 0.001%. But, if the company does well, the value of the stock goes up, making you money
A loan to a compnay/government	A Bond	A promise to you pay you back a loan along with interest over a period of time. Seens less risky than a stock.
The total value of your investments	Portfolio	Your personal collection of all the stcoks, bonds and investments you own
The chance where you could loose money	Risk	The possibility that you could loose money on this investment. Generally, the higher the risk, the higher the reward
Getting interest on your interest	Compounding	When you investing earnings start to own on their own. This is the ideal way to make wealth/assets off of your investments. But, you will have to wait. Money will grow faster over time
Not putting all eggs in one basket	Diversification	Investing in different industries and not buying stocks of just one company helps you multiply profits
Money paid out from a company's profit	Dividend	At the end of every Financial year companies give some part of the profits it made to its largest shareholders. Not only companies give dividends

Why should you Invest as a student?

Students don't earn as much money as adults and investing requires money. Many question if it is really necessary for students, especially teens, to invest.

Here's the truth: Starting young is the only way you can make good amount of money through investing

Consistency is key! - the more you invest and the more regular you are with those investments can make a huge difference. Buffet bought his first real estate investment when he was 14 but he had been investing since he was 11. Now, his net worth is $169 Billion!

Learn without risk - As a student you can experiment with small amounts or even simulated investments to understand how markets work before real stakes are involved

Building financial discipline - Investing teaches you to save, spend, budget and think about the future. So, instead of spending impulsively, try investment!

Gearing for the future - Learn about investing now, reap the benefits when you are an adult. By the time you graduaty, you'll understand how money works for you, giving you a headstart in your financial life

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Welcome to Your Investing Quest!