How it works

From confused to confident

A journey, not a calculator. Each step builds on the one before it.

  1. Step 1

    Learn the concepts

    Twelve short lessons covering the Four Buckets, time horizon, risk, diversification, compounding and market cycles.

    Open the lessons
  2. Step 2

    Build a four-bucket plan

    Eight questions produce an educational starting point, your Safety Number, and a suggested learning sequence.

    Start the questions
  3. Step 3

    Practise with virtual money

    Buy and sell a fictional educational index across hypothetical bull, bear and sideways scenarios.

    Open the simulator
  4. Step 4

    Track your progress

    Lessons, badges, your Learning Progress Score and a 90-day educational plan — saved in your browser.

    See my progress

Educational disclaimer. InvestStart provides general educational information and simulated investing experiences. It does not provide personalized financial, investment, tax, or legal advice. Simulated results are hypothetical and do not predict future investment performance. Consider consulting a qualified professional for advice specific to your circumstances.