Learn to think clearly about money and investing
Plain-English explanations of the concepts that matter most — designed for teenagers, students, and anyone starting their financial education journey.
Financial literacy is one of the most valuable skills you can develop. Yet most schools never teach it.
YMI was created because we believe everyone deserves access to clear, honest financial education. We cover the fundamentals — from what a share is to how compound growth works — in language that is accessible without being patronising.
What is investing?
Investing means putting money to work with the expectation of a return over time. We explain the difference between saving and investing, and why it matters.
Saving versus investing
Saving keeps your money safe but may lose value to inflation. Investing carries risk but offers the potential for real growth. Understanding the trade-off is essential.
What are shares?
A share represents a small ownership stake in a company. When you buy shares, you become a part-owner of that business and share in its fortunes.
What are ETFs?
Exchange-traded funds allow you to invest in a basket of assets — such as all the companies in an index — in a single, low-cost transaction.
What is compound growth?
Compound growth is the process by which returns generate their own returns over time. It is one of the most powerful forces in long-term investing.
What is diversification?
Diversification means spreading investments across different assets, sectors, and geographies to reduce the impact of any single loss.
What is risk?
In investing, risk refers to the possibility of losing some or all of your money. Understanding different types of risk is fundamental to making informed decisions.
What is volatility?
Volatility describes how much an investment's price fluctuates over time. High volatility means larger swings — both up and down.
What is inflation?
Inflation is the rate at which prices rise over time, reducing the purchasing power of money. It is one of the key reasons why simply saving cash may not be enough.
What is a stock market?
A stock market is a marketplace where buyers and sellers trade shares in publicly listed companies. We explain how it works and why it exists.
What is market capitalisation?
Market capitalisation is the total market value of a company's outstanding shares. It is one of the most commonly used measures of a company's size.
What is valuation?
Valuation is the process of estimating what a business or asset is worth. It is central to investment analysis and helps determine whether something is cheap or expensive.
What are dividends?
Dividends are payments made by companies to their shareholders, typically from profits. They are one of the two main ways investors can earn a return from shares.
Common investing mistakes
From emotional decision-making to chasing past performance, we cover the most common mistakes investors make and how to avoid them.
Scams and financial misinformation
How to spot investment scams, misleading financial content, and get-rich-quick schemes — and why they are so dangerous.
Important: All educational content published by Young Minds Investing Ltd is for general information purposes only. Nothing on this page constitutes personal investment advice. The value of investments can fall as well as rise. Capital is at risk. You should seek independent financial advice before making any investment decisions.