Overview
What Is InvestorOS?
InvestorOS is a risk-free investing simulator built around the Canadian market. You get a simulated portfolio of $50 to $10,000 and use it to trade real stocks, make real decisions, and see the real consequences — without risking a cent of actual money.
There are two modes that work together:
📊
Free Trading
Explore the market on your own terms. Browse stocks, read analyst verdicts, buy and sell freely, and build a portfolio at your own pace — before any coaching begins.
🎯
Coached Scenarios
100 real-world situations that test your judgment. After every decision you see exactly why you were right or wrong, what each option would have meant, and the investing concept behind it.
Setup
Getting Started
Five steps from launch to your first trade.
01
Create Your Profile
Enter your name, age, and gender. This personalises the experience and unlocks the right starting avatar. Nothing affects your portfolio — it's just context.
02
Choose an Account Type
Pick from TFSA, RRSP, FHSA, Cash, or Margin. Each comes with a plain-English explanation and the app tells you immediately if your choice is smart for your situation.
03
Set Your Starting Capital
Use the slider to pick anywhere from $50 to $10,000. Start small to feel the constraint of limited capital, or go large to explore position sizing and diversification.
04
Answer 3 Quick Questions
Your answers about risk tolerance, time horizon, and experience place you into Beginner, Intermediate, or Advanced — determining which stocks and scenarios you face first.
05
Open the Market
You land directly on the Market screen — not scenarios. Explore, trade, and build a portfolio before jumping into coached scenarios whenever you're ready.
Core Mechanic
Market Screen & Trading
The Market is your home base. Browse stocks filtered by All, Recommended, ETFs, Growth, or Risky. Each card shows the ticker, price, daily change, sector, risk badge, and a 1–5 star analyst rating.
Buying a Stock
Tap any stock → read the analyst verdict (green = Strong Buy, yellow = Neutral, red = Avoid) → tap Buy → set your dollar amount on the slider ($50 to available cash) → watch the live preview update shares, cash remaining, and portfolio percentage → tap Confirm Purchase. A notification confirms the trade and the stock appears in your portfolio.
Selling a Stock
Go to Portfolio and tap any holding, or find the stock in the Market → tap Sell → the panel shows shares owned, current value, and unrealised profit or loss → a note explains whether selling makes sense → tap Sell All Shares. Cash updates immediately and the trade is logged in your history.
The Learning Engine
Coached Scenarios
Tap Scenarios in the bottom nav whenever you feel ready. Each scenario presents a realistic investing situation — a market crash, a hot tip, an earnings report, a recession headline — and asks you to choose Buy, Sell, or Hold.
Read the SituationMarket context + price
→
Choose ActionBuy / Sell / Hold
→
Set AmountIf buying
→
See ResultVerdict + lesson
If you choose Buy, an amount panel appears — you decide exactly how much to invest. This trade executes on your real simulated portfolio. After every decision you see:
✓
VerdictWhether your choice was correct, partially correct, or wrong — and the specific reason why in plain language.
✓
All OutcomesWhat each of the three choices would have meant. Understanding wrong answers is as valuable as knowing the right one.
✓
XP & ScoreCorrect decisions earn XP and raise your Investor Score. Mistakes cost points — replicating the real emotional stakes.
✓
Core ConceptThe investing principle the scenario was testing, explained in plain English.
Scenario Progression
Scenarios run from Beginner (1–25) through Intermediate (26–55) to Advanced (56–100). Your quiz answers at setup determine where you start. Scare scenarios — marked in red — simulate high-stakes emotional situations like market crashes and panic.
The Market
The Stock Universe
Ten stocks are available across different quality tiers. Part of the game is figuring out which are worth owning — and why. Stocks unlock progressively as you level up.
| TICKER | COMPANY | RATING | VERDICT | KEY LESSON |
|---|---|---|---|---|
| XEQT | iShares Core ETF | ★★★★★ | STRONG BUY | Why ETFs beat stock-picking |
| DVID | Dividend Pro Corp | ★★★★★ | STRONG BUY | How dividends compound quietly |
| NOVA | Novaltech Inc | ★★★★☆ | BUY | What a good growth stock looks like |
| HLTH | HealthFirst Corp | ★★★★☆ | BUY | Why defensive sectors matter |
| SAFE | SafeHaven Bond ETF | ★★★★☆ | BUY | Capital preservation vs. growth |
| ENRG | OilMax Corp | ★★★☆☆ | HOLD | How commodity cycles work |
| GRWN | GreenGrowth ETF | ★★★☆☆ | NEUTRAL | The real cost of ESG investing |
| BLCK | Blockchain Labs | ★★☆☆☆ | RISKY | What speculative stocks really are |
| LUXE | LuxBrand IPO | ★★☆☆☆ | WAIT | Why IPO timing matters |
| CRPT | CryptoMax Token | ★☆☆☆☆ | AVOID | How pump-and-dump works |
Outcomes
What You'll Learn
First Playthrough
Get comfortable buying and selling stocks
Read analyst verdicts and understand the language
Make scenario decisions and see immediate feedback
Discover which stocks are traps — by experiencing them
Second Playthrough
Recognise structurally risky stocks on sight
Understand why the panic move is almost always wrong
Think in portfolio percentages, not just dollar amounts
Apply Canadian tax strategy to every decision
After both runs, you will understand:
✅Why ETFs outperform most stock-pickers long-term
✅How dividends compound into serious wealth over decades
✅What a P/E ratio tells you — and what it doesn't
✅Why your emotional reaction to a drop is usually wrong
✅TFSA vs RRSP vs FHSA — which account suits you
✅How to recognise speculative assets before losing money
⚠️Why selling everything is the most expensive decision
✅What a diversified portfolio looks like vs a concentrated one
Pro Tips
Getting the Most Out of It
💸
Make bad choices on purpose
Buy CRPT. Put 80% into BLCK. Panic-sell during a crash scenario. The app explains exactly what it cost and why — that lesson sticks better than any article.
💰
Try different starting amounts
$50 forces careful thought about every single trade. $10,000 lets you explore position sizing and diversification freely. Both teach different skills.
📖
Read the analyst verdict before buying
Build the habit of researching before acting. The verdict is there — use it. This directly translates to real investing behaviour.
📊
Study the All Outcomes section
Every result screen shows all three choices. Understanding why the wrong answers are wrong is as valuable as knowing the right one.
🍁
Try all three Canadian account types
The TFSA explanation alone is worth the time for any Canadian who hasn't maxed theirs out yet. The tax difference over 30 years is staggering.