Portfolio Management – Active & Passive Investing and ETF MF

Arjun and Priya are 10th-grade best friends who live in a small town. One day, they hear that their uncle Ramesh , a stock market analyst, is visiting their school for a guest talk.

During the session, he tells them how he started investing when he was just 16 — with a small amount of money he earned tutoring and selling handmade cards. He explains how he used passive investing to grow his money slowly and actively managed some funds to earn more in the short term.

Inspired, Arjun and Priya decide to create a “Future Money Diary” — a journal where they will track what they learn about investing and how they can use it to build wealth even before college.

Now they decide to learn more about how to start investing early — and how to avoid common mistakes.

Loans terms and EMI

Your goal right now is to own a fancy mountain bike that costs ₹20,000 — a big amount for a student.

One day, your uncle says:“If you want it, you can take a loan. Just pay back a little every month — it’s easy!” 

You feel excited. You apply online and are approved for a loan at 14% interest , with a monthly EMI of ₹1,000 , to be paid over 24 months .

You start paying the EMI, but soon realize:

• You can no longer afford your school project materials
• You have to give up your summer hobby class
• You’re stressed about missing payments

Then, your economics teacher explains how EMI works , how interest builds over time , and how not all loans are good deals — especially when you don’t understand the terms.

You feel lucky you didn’t borrow more — and you decide to learn how to read loan documents , calculate EMIs , and make smart borrowing decisions .

Now, you’re ready to share what you’ve learned — and help others avoid the same mistakes.

Exploring career options – How Career Choices Affect Earning Potential

 Rohan , a 10th-grade student who’s always been passionate about technology and design . Your best friend Aarav is into sports and dreams of becoming a professional athlete .

One day, your economics teacher gives you an assignment: “Imagine you are 25 years old. You’ve chosen your career and now you want to start saving for your goals — travel, a car, a home, or even starting your own business.” 

You and Aarav decide to imagine your future . You choose to become a UI/UX designer , while Aarav dreams of being an international national-level athlete .

As you both map out your financial journeys, you realize that: Some careers offer steady income , while others have high risk and high reward. Earning potential affects your ability to save , plan for the future , and achieve your goals

Now, you’re ready to reflect on your choices — and how they’ll shape your future.

Digital payments, handling lost IDs, use of payment gateways

As a student of 10th grade, using digital payment to pay school fees, education via online programs, and purchasing books and stationery is a normal thing for you now.

One day, coming back home after school, you suddenly notice that you do not have your wallet with you – and in the wallet, you have your Aadhaar card, school ID and a prepaid card you use to pay online.

You panic, what happens in case someone registers fake accounts in your name or purchases goods under your name?

Your parents inform you on how to report the loss, freeze your identity and protect you.

Here you get to know the part of payment gateways, how to protect your transactions and how to feel safe on the internet world.

Credit Score

You have always been good with money — you save your pocket money, track your expenses in a notebook, and even tutor younger students to earn extra. One day, while helping your uncle with a small business he’s starting, you overhear him arguing with a bank officer who says his loan application was rejected due to a low credit score . 

You’re confused — your uncle is a responsible man. Later, you learn from your economics teacher that credit scores are built over time , and one bad financial decision can affect your future — even if you’re still a student. This makes you curious. You start reading more and realize that your own money habits could one day shape your financial reputation . 

You decide to dig deeper into how a credit score works , why it matters even at your age , and how you can start building yours right now , before college, before a job, and even before your first credit card.

Daily Deals

As a 10th grader, who has been wise with money ever since, spending your pocket money and most sporadic profits you made by tutoring to get what you want. You open your favorite shopping app one day and you see a flash sale on Wireless Earbuds 70% OFF, but there is only 24 hours left. 

You have long been looking at these and this seems to be your opportunity. You purchase them and immediately you are excited that you are saving money. However, when you calculate the amount paid a few days later, it was much higher than anticipated due to some unseen fees such as duties required to bring the goods into the country and the shipping fees are non-refundable as is against the fine print. They cannot be returned and what you have done is burn through most of your savings on the thing that you do not even need presently. When your econ teacher hears of your experience, she will relate your story in the classroom to demonstrate to everyone how to avoid fake offers, impulsive buying, and decisions, which are made, so that money is saved. This makes you realize that real financial intelligence isn’t about buying what’s on sale — it’s about knowing when not to click “Buy Now.”

Wealth Wizards Competition 3.0

Date – 8th September, Monday 2025

Time – 10AM – 4PM