Safety
Protect You
Money for the things you may need soon.
- Horizon
- 0–3 years
- Risk
- Extremely low
Investing education & simulation
Give Every Dollar a Job.
Understand where your money belongs, explore investing concepts, and practice investing with virtual money — without risking real money.
Simulation — no real money
The Four Buckets
Stop treating savings and investments as one pot. Every dollar you have is doing a job — the framework simply makes that job explicit.
Income
Pay You
Money designed around future income needs.
- Horizon
- 3–10 years
- Risk
- Low–medium
Growth
Build You
Long-term money designed for compounding.
- Horizon
- 10+ years
- Risk
- Medium–high
Opportunity
Excite You
A capped bucket for higher-risk opportunities.
- Horizon
- Variable
- Risk
- High–very high
The split moves with time, not age.
Explore The Four BucketsKnow your Safety Number
Essential monthly expenses × 6–12 months. A fixed dollar amount, not a percentage.
Open the calculatorSee how the split shifts
Explore educational starting-point ranges by time to goal, not by age.
Explore the ranges PremiumPractise with virtual money
Buy and sell a fictional educational index across bull, bear and sideways scenarios.
Open the simulatorExplore, reflect, share
Three ways to keep your learning moving between sessions.
Ready to go deeper?
Create your free account to continue your InvestStart journey.
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.