KIDZ ECONOMY INVESTING SERIES · COURSE 1 OF 3
C.O.I.N.
Club
Compound · Opportunity · Invest · Now
The earlier they start, the further their money goes.
A story-driven program for students aged 8–11 run as a school CCA, in-school enrichment, or a holiday camp teaching them to earn, save, spend smart, and let compound interest do the heavy lifting, starting right now.
8–10
WEEKS
50
MIN / LESSON
8–11
AGE GROUP
Join the C.O.I.N. Club
A live account simulation showing kids how choices compound.
The only program that shows students — through a live Earn, Save and Spend simulation — exactly what the difference between starting at age 10 versus age 20 looks like in real numbers.
THE PROBLEM
The most powerful financial tool a child has is time — and most have no idea.
A student who starts saving at age 10 can accumulate far more by adulthood than one who starts at 20 — even if the later starter saves more each year. The mathematics are striking. The habit that makes it possible starts now.
C.O.I.N. Club doesn't just teach this — it makes students feel it. Across a simulation that runs the whole program, students watch their savings compound week by week while a classmate who spends everything falls further behind. The widening gap between them is the most powerful financial-literacy lesson we know.
Start early
Students who save from the very first lesson watch their balance pull dramatically ahead of those who start late in real time.
3 accounts
Earn, Save and Spend — running at once across the whole program. Every decision has a visible consequence.
Now
The single most important word in C.O.I.N. — starting the habit now, not later, is what the whole program is built around.
HOW IT WORKS
Felix's club. Three accounts. A full season of compounding.
💰
The Earn Account
Students earn Kidz Cash through each lesson's activity the amount varies with performance, so earning feels like a skill, not a given.
🏦
The Save Account
Anything saved earns compound interest, added every lesson. Save more, earlier, and your balance visibly pulls away from the rest.
🛍
The Spend Account
Each lesson brings a real spending choice — buy now, or save for something bigger. These are the opportunity-cost moments, with consequences students can see.
📡
Breaking News Events
A market alert drops each lesson. Students make decisions before the outcome is revealed exactly how real money decisions feel.
WHY IT MATTERS
The habits formed at age 10 last a lifetime.
⏰
Time Is the Lesson
Compound interest, opportunity cost, smart spending — all come back to one idea: the earlier you start, the more time does the work. Students feel it through their own balance.
🪞
The Contrast Does the Teaching
Watching the gap grow between consistent savers and impulsive spenders, week after week, is far more persuasive than any lecture about saving.
🌱
Habits Before Concepts
C.O.I.N. builds the habit of saving before students are old enough to think they don't need it — and that habit, formed early, outlasts any single fact.
LEARNING OBJECTIVES
What C.O.I.N. Club sets out to teach.
01
Understand how money grows over time — and why starting early changes everything.
02
Weigh opportunity cost before every spending decision.
03
Tell needs from wants, and saving from investing.
04
Build the habit of starting now — and resist the spending traps that derail it.
PROGRAM JOURNEY
A serialized story across up to 10 lessons — 7 core, 2 supplementary, and a finale.
1
Set Up & Save
Students join the club, set up their three accounts, and make their first earning and saving decisions — and the gap between savers and spenders starts to open.
2
Temptation & Trade-offs
Spending temptations and opportunity-cost decisions test everyone's discipline. The savers watch their balance pull steadily ahead.
3
Felix Makes His Move
Final balances are revealed side by side — the gap, built decision by decision, is the lesson. Felix steps forward toward his next big goal.
The simulation runs the whole program, so students come back each week to watch their Save Account grow.
LEARNING OUTCOMES
What your student walks away able to do.
Save deliberately
Your student leaves with the habit of setting money aside — not because they're told to, but because they've seen what it produces over a whole program.
Understand compounding instinctively
Having watched their own balance grow lesson by lesson, they won't need to be told why starting early matters — they'll have felt it.
Weigh opportunity cost
They'll meet spending decisions with a new question: what am I giving up by choosing this? That one habit is worth more than any rule.
Distinguish saving from investing
They'll understand that savings protect wealth and investments grow it — and that both have a role at different stages.
Resist spending traps
Having felt the consequences of an impulse purchase in their own balance, they'll approach temptations with healthy scepticism.
Explain their own choices
By the finale they can articulate, in their own words, why they made the decisions they made — the start of financial maturity.
DURATION & SCHEDULE
Designed to flex into a CCA, an enrichment block, or a holiday camp.
📅
8–10 weeks
per program
⏱
40–60 min
per session
📆
Flexible
weekly CCA, enrichment or camp
🗓
T1–T3
TERMS AVAILABLE
Runs as a weekly after-school CCA, an in-school enrichment block, or a condensed holiday camp. The core lessons plus the Finale make the complete experience; longer runs add supplementary lessons. Sessions flex from 40–60 minutes to fit your timetable.
PRICING & BOOKING
Flexible pricing — tailored to how you'll run it.
Cost depends on your format, cohort size and term, so we keep it simple: tell us how you'd like to run it and we'll send a tailored quote. Whether you're a teacher, a CCA coordinator, or booking for a whole school, we'll find the right fit.
🧑🏫
Teachers
Want to run it with your class? Get in touch and we'll size it for your group.
🗂️
A CCA coordinator
Planning your enrichment or CCA line-up? We'll quote across your cohorts and terms.
🏫
A whole school
Rolling it out across year groups or sites? Ask about school and series pricing.
WHAT SCHOOLS ARE SAYING
Real results from real classrooms.
"By week four my students were choosing to save instead of spend — and explaining why. I've never seen a money lesson land like this."
CCA Coordinator
International School, Singapore · sample
"Watching the gap grow between the savers and the spenders did the teaching for me. No lecture could have matched it."
Year 5 Teacher
International School, Malaysia · sample
"My son started a 'save account' jar at home after this. He's ten and talks about compound interest. Remarkable."
Parent
International School, Singapore · sample
FREQUENTLY ASKED QUESTIONS
Everything you need to know before booking.
ANNUAL FLAGSHIP EVENT · SINGAPORE
The
Financial Games
Once a year, Kidz Economy partner schools come together for a two-day financial-literacy competition. Students who have completed a Kidz Economy program compete across seven medal events — applying everything they've learned in a format that feels like a championship, not a classroom.
Every event awards individual medals to the top three teams. A running medal tally determines the overall school champion — who takes home the Financial Games Travelling Trophy.
SAT + SUN
WEEKS
3 HRS
PER DAY
7
MEDAL EVENTS
4
STUDENTS PER TEAM
🥇
5 pts
Gold
🥈
3 pts
Silver
🥉
1 pt
Bronze
SGD 100 / student
Partner school entry