Stock Market Challenge
Free to PA Educators
Your Financial Literacy Solution
PennCFL uses a stock market simulation from Stock-Trak's Personal Finance Lab and it is completely free for teachers and students who want to access it. Our Stock Market Challenge is for elementary, middle, and high school students and rewards over $10,000 in prizes annually!
The competitions and programs are both fun and educational, allowing students to gain hands-on experience while learning to save and invest in the stock market. The stock market program teaches students and teachers how to invest in stocks, make stock market trades, analyze markets, and build stock market portfolios while competing with other students.
Our statewide Stock Market Challenge has flexible dates to meet your classroom's needs. Practice trading begins immediately after registration, anytime after August 1st.
Early Fall Challenge/Quarter Semester: Closed until Next Year
- Stock Market Challenge: Aug. 30th to Oct. 29th
- Practice Trading: Aug. 1st to Aug. 29th
Late Fall Challenge/Quarter Semester:
- Stock Market Challenge: Nov. 1st to Jan. 14th
- Practice Trading: Aug. 1st to Oct. 31st
Fall Challenge/Full Semester:
- Stock Market Challenge: Oct 11th - Dec 17th
- Practice Trading: Aug. 1st to Oct. 10th
Early Spring Challenge/Quarter Semester:
- Stock Market Challenge: Jan. 31st to April 1st
- Practice Trading: Aug. 1st to Jan. 30th
Late Spring Challenge/Quarter Semester:
- Stock Market Challenge: April 4th to June 3rd
- Practice Trading: Aug. 1st to April 3rd
Spring Challenge/Full Semester:
- Stock Market Challenge: Feb 14th - April 22nd
- Practice Trading: Aug. 1st to Feb 13th
Each challenge includes Elementary School: Grades 1-6, Middle School: Grades 7-8, · High School: Grades 9-12
Students can use the embedded curriculum, be graded with the learning management system and create an adventure with the budget game from August 1st to January 14th for each challenge. You are empowered to select the desirable parts of the program that you would like to utilize in your teaching! Register for free Personal Finance Lab teacher workshops.
Students may start making trades immediately in a practice session and the game will reset back to a $100,000 portfolio, by Monday at 7:00 am for one of the game competitions listed above.
NEW this year: the student with the highest portfolio value (no teams) in our spring full semester game, per sponsored area, will win a Chromebook! The winning student may pick up the Chromebook at a sponsor's location, no delivery.
All final decisions are made after an audit review and our board's approval. More information to come!
Starting Cash: $100,000.00
Stocks, EFTs, Mutual Funds, Bonds and Options
Minimum Buy Price: $5.00
Commission Fee: $10.00
Two Stocks Minimum - 50%
Interest on Cash Balance: 1%
Short Selling and Margin Trading Allowed
Margin Trading Allowed
Interest on Margin Accounts (borrowing) - 8%