Frequently Asked Questions

The Aerarii Game gives you a $100,000 virtual portfolio to practice trading with real market data. You'll learn order book mechanics, transaction fees, and market volatility using virtual currency. Build skills and confidence before you decide whether to invest any real savings.

Mistakes are part of learning! In our simulation, mistakes cost virtual money, not real savings. Each trade includes a "Custos debrief" showing what you learned, so every error becomes a valuable lesson without financial pain. Create a free account to start practicing today.

Our graduation checklist tracks practice across key areas: risk management, diversification, understanding tax impact, and emotional discipline. Use it to judge readiness by the skills you have practiced rather than by pressure. It is an educational tool, not a recommendation to invest.

We start with a VARK assessment to identify your learning style (Visual, Auditory, Reading, Kinesthetic). Then we deliver content in your preferred format - no jargon, no assumptions. If you're visual, you get charts and diagrams. If you learn by doing, you get interactive simulations.

Our Encyclopedia explains every term in plain English before you encounter it. Click any financial term for an instant, jargon-free explanation tailored to your learning style. We believe understanding comes first, complexity comes second.

Our onboarding asks about your income, state, age, and financial goals. The Aerarii simulation then models your federal and state tax brackets and typical trading costs, so practice results look closer to your situation. This is education, not personalized investment or tax advice.

Your simulation applies California state income tax brackets together with federal brackets and modeled trading costs. When you practice trading in the Aerarii Game, you see estimated after-tax results for an income like yours instead of generic examples. These figures are educational estimates, not tax advice.

Every trade in the Aerarii Game shows you the math in real-time: Buy price + commission = Your cost basis. Sell price - commission - short-term capital gains tax = Your actual return. In a hypothetical example, you can see how a $100 gain might shrink to about $78 after taxes and fees.

Practice both! Make a trade and hold for 11 months vs. 13 months. Watch your tax bill change dramatically. Our simulation shows your state + federal rates side-by-side so you understand the real cost of timing.

Our Riverletter lessons teach one concept, then immediately launch a mini-game to practice it. Learned about diversification? Immediately build a diversified portfolio and see it tested against market volatility. Sign up free — action reinforces knowledge.

Every activity ends with a "Custos debrief" - our AI analyzes your decisions, explains what worked, what didn't, and what to practice next. You get personalized feedback on your actual performance, not generic advice. Learn how BIH works.

No. We provide practice suggestions, not investment advice. We'll suggest "Practice diversification across sectors" or "Try dollar-cost averaging for 30 days" - never "Buy Apple stock." Read our philosophy.

Optional behavioral nudges based on YOUR performance. If you struggle with emotional trading during volatility, we'll suggest practice exercises for emotional discipline. If you excel at technical analysis, we'll challenge you with risk management scenarios. Start for free.

Many educators describe dollar-cost averaging (investing a fixed amount on a regular schedule) into a low-cost, broadly diversified index fund as a common starting point to learn about. It does not guarantee a profit or protect against loss. Before investing real money, beginners can practice in the Aerarii Game to understand market volatility and transaction fees.

Beginner Investor Hub uses smart technology to provide a personalized learning experience, tailoring curriculum to your specific learning style (Visual, Auditory, Reading, or Kinesthetic).

Beta measures a stock's volatility relative to the overall market. A beta of 1 means the stock moves with the market; above 1 is more volatile; below 1 is less volatile. Practice interpreting Beta in the BIH Encyclopedia.

An order book is a real-time, electronic list of buy and sell orders for a security, organized by price level. It shows market depth and liquidity. You can interact with a live order book in the Aerarii Game simulator.

VARK stands for Visual, Auditory, Reading, and Kinesthetic learning preferences. BIH uses AI to detect and adapt content delivery to each user's preferred learning style.

Beginner Investor Hub offers both free and premium features. The basic educational content and simulations are free, while advanced features and personalized coaching may require a subscription.

The platform uses Google Vertex AI for lesson and coach responses. It considers your learning style, progress, and preferences, then adapts the curriculum delivery method (visual charts, audio explanations, text articles, or hands-on exercises) to match your VARK profile. Learn more about our technology.