Investment Strategy Simulator
Race 4 investor personalities over 40 years, and see exactly why dollar-cost averaging beats panic selling, market timing, and savings accounts.
You (DCA)
Invest 20% of income every year, no matter what the market does.
Panic Pete
Sells everything when the market drops, and misses the recovery.
Timer Tim
Only invests after a good year, classic "buy high" behavior.
Cash Carl
Puts everything in a 2% savings account, safe but loses to inflation.
What This Simulator Teaches
Grounded in real math, not simplified. Share prices, real crash simulations, compound growth over 40 years.
Dollar-Cost Averaging (DCA)
Investing the same amount regularly, regardless of market conditions, means you automatically buy more shares when prices are low. When the market recovers, those cheap shares produce outsized returns. It's not timing the market; it's eliminating the need to.
The Power of Compounding
Returns don't just stack, they multiply. In year 1, your gains are small. By year 30, your gains earn gains. The simulator shows how a steady 7ā9% annual return turns a modest income into life-changing wealth over 40 years.
The True Cost of Panic Selling
Panic Pete sells every time the market drops more than 15%. He avoids the temporary loss, but misses the recovery. Historically, the best 10 days in any decade often follow the worst 10. Selling at the bottom and buying back at the top is wealth destruction in slow motion.
Why Savings Accounts Lose
Cash Carl earns 2%/year, below the historical inflation rate of ~3%. That means every year, his purchasing power shrinks. After 40 years, Cash Carl's "safe" approach has him significantly behind, even though he saved consistently. The game makes this gap visceral.
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