香港 · 初級大人 · Paper Trade Hong Kong · Young Adult · Paper Trade
學校教過Sin Cos
冇教過計信用卡利息
School taught you sin and cos
Never how to work out credit card interest
睇得明，先好買。一堂課換一件投資工具，唔會俾你亂撳買入啲自己都未明嘅嘢 Understand it, then buy it. One lesson unlocks one instrument, so you never tap Buy on something you can't explain
免費開始・所有交易皆為模擬・不涉真實金錢 Free to start · every trade is simulated · no real money
理財通識／生命教育嘅實作課室。學生喺封閉環境學同練，老師一眼睇晒全班進度 A hands-on classroom for financial literacy. Students learn in a walled garden; teachers see the whole class at a glance
先導計劃招募中・按座位授權・學生帳戶由我哋開通 Pilot programme open · seat-based licence · student accounts provisioned by us
香港有一整代人一畢業就要自己落決定：學校冇教過點投資，屋企嘅經驗又未必啱。結果係靠估入市。FundLand 用 Learn-to-Earn 填返呢個位 A whole generation starts investing the year they start earning, with no one having taught them how. The result is guesswork. FundLand fills that gap with a Learn-to-Earn model
第 15 堂 · ETF 指數基金 Lesson 15 · Index ETFs
你買一隻 ETF，實際上係買緊咩？ When you buy an ETF, what are you actually buying?
已解鎖：大市指數 ETF ・ 啟動資金 HK$10,000（虛擬） Unlocked: broad index ETFs · HK$10,000 starting capital (virtual)
品牌宣言Manifesto
睇通市場再入場See the market clearly before you step in
學校冇教過點投資，屋企嘅經驗又未必啱School never taught investing, and inherited instincts may not hold 結果係一有收入就要落決定，喺市場度盲摸摸咁落注，將「投資」變成「試運氣」 So the decisions start the moment the income does, placed blind, turning investing into a game of luck
FundLand 唔賣「穩賺不賠」嘅明牌FundLand doesn't sell a sure thing 我哋要做嘅，係喺你撳「買入」之前，畀返你睇通局勢嘅眼光：分得清邊啲係機會，邊啲係陷阱 What we do is hand you the eyes to read the situation before you tap Buy: what is an opportunity, and what is a trap
由一堂課開始，由香港出發。重新定義我哋同錢嘅關係 It starts with one lesson, and it starts in Hong Kong: redefining our relationship with money
用模擬盤交學費，好過用真銀包買教訓 Better to pay your tuition with a simulated account than with a real wallet
核心機制The core loop
學到嘅知識 直接運用Put what you learn straight to work
絕對唔係上完堂就算，每完成一堂，會即刻獎勵對應嘅投資工具同啟動資金 It doesn't end when the lesson does. Finish one and you're handed the matching instrument and the capital to use it
學習Learn
一堂課5分鐘。讀到中途要你拖桿估個價、答個 checkpoint，答完先行得落去 A lesson takes five minutes. Halfway through you drag a slider to price something and answer a checkpoint before it lets you go on
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解鎖Unlock
答啱測驗先開下一課同對應市場，仲有一筆啟動資金 Pass the quiz and the next lesson opens, along with the matching market and a slice of starting capital
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落場Trade
落單前見晒即時報價、匯率、手續費同倉位警告 Before you confirm you see the live price, the FX rate, the commission and the concentration warning
然後由頭再嚟一次then round again
課程Curriculum
34 堂投資基礎，行完仲有更多不同投資學派34 lessons on the basics, then more tracks by school of thought
主線由風險同回報、資產類別、利率、市場點運作，一路行到財務報表、匯率、REITs、槓桿同資產配置。每個階段有 Boss 關卡驗收，過唔到就開唔到下一階段 The core track runs from risk and return, asset classes, interest rates and market structure through to financial statements, FX, REITs, leverage and rebalancing. Each stage ends with a boss challenge, and failing it keeps the next stage shut
由「風險同回報」到「終極基金經理人」 From risk and return to running a fund
跟 Graham、Buffett & Munger、Damodaran 學安全邊際、護城河同估值 Margin of safety, moats and valuation, with Graham, Buffett & Munger, Damodaran
跟 Bogle、Bernstein，用 SPIVA 數據拆解「點解贏唔到大市」 Why beating the market is so hard, read through SPIVA data, with Bogle and Bernstein
沙盒市場The sandbox market
真實報價，虛擬本金Real prices. Virtual capital
港股、美股、ETF、REITs、債券、加密貨幣，超過 160 隻標的，報價來自真實市場。手續費、匯率、平均成本一樣照計，只係啲錢係虛擬 Hong Kong and US equities, ETFs, REITs, bonds and crypto: over 160 instruments priced off the real market. Commissions, FX and average cost all still apply, on virtual capital
- 股票池分 12 層，每層綁一堂課，學到邊就買到邊The universe is tiered 12 deep, each tier gated by a lesson
- 港股 0.27%、美股固定 HK$8、加密 0.1%，第一單就見到手續費食咗幾多0.27% on HK stocks, a flat HK$8 on US, 0.1% on crypto, so you feel the fee on the very first trade
- 倉位過重會出警告：加密 ≤5%、槓桿 ≤5%、主題 ETF ≤20%Concentration warnings kick in: crypto ≤5%, leveraged ≤5%, thematic ETFs ≤20%
唔係一個人學Not a solo game
同朋友開間投資公司Start a virtual investment firm with your friends
排行榜、每週挑戰、每日測驗、連續學習獎勵，仲有一套完整嘅公司玩法：請人、出糧、投票表決提案、季度結算同致股東信 Leaderboards, weekly challenges, a daily quiz and streak rewards, plus a full company layer: hire, run payroll, vote on proposals, close the quarter and write the shareholder letter
傾偈只喺公司房開放打字：同一間公司、最多 10 人、個個都係合夥人親自邀請入嚟，訊息有過濾、舉報同封鎖；公共大堂全服共用，只可以用貼圖同短語，打唔到字 Typing is limited to your own firm: same company, ten members at most, each one invited in by a partner, with filtering, reporting and blocking on every message. The public lobby is shared by everyone and takes stickers and set phrases only, no typing
排行榜同挑戰Leaderboards & challenges
按收益率、總資產、連勝排位。每週一批新挑戰，做齊有獎 Ranked by return, total assets or streak. A fresh set of challenges lands every week
投資公司Investment firms
創立要過章程測驗，大額交易要過閘，玩住行一次資本市場 Founding takes a charter quiz and big trades need approval. Capital markets, played out
每日測驗Daily quiz
每日 5 題，全對有獎。連續登入越耐，獎越大 Five questions a day. Clean sweep pays; the longer the streak, the more it pays
老師攞到咩What teachers get
開班、派帳戶、收報告，全部喺 App 入面Create the class, hand out logins, read the report, all in the app
學校 invoice 付款後，我哋開通老師權限。老師喺座位配額內批量開學生帳戶，唔使學生自己註冊、唔使收集電郵 We enable your teacher accounts once the school licence is invoiced. Teachers then provision student accounts in bulk within their seat quota. No student sign-ups, no email collection
批量開帳戶Bulk provisioning
Excel 兩欄（學號＋姓名）直接貼上。系統派登入卡：學校碼＋學號＋6 位 PIN Paste two columns from Excel (student number, name). Each student gets a login card: school code, student number, 6-digit PIN
班級榜（預設不公開）Class leaderboard, private by default
學生只見 Top 10 同自己，唔會公開墊底名單。要唔要出現喺全球榜，老師逐班控制 Students see the top 10 and their own row, never a bottom list. Whether the class appears on the global board is a per-class switch
自訂比賽Custom competitions
四種計分維度：完成堂數、連續學習、收益率、收益金額。自己揀時段同獎勵 Score on lessons completed, streak, return % or return in HKD. You set the window and the reward
每週班級報告Weekly class report
完成率、進步榜、停滯名單。可按週或跨週睇，一鍵匯出 CSV 交數 Completion rate, most-improved, who has stalled. Weekly or aggregated, exportable to CSV
功課指派Assignments
揀課堂範圍同限期即成一份功課（例：完成 L4–L6）。冇自由文字輸入，零審查負擔 Pick a lesson range and a due date (e.g. finish L4–L6). No free-text fields, so nothing to moderate
一鍵提醒One-tap nudge
報告入面撳一下，提醒落後學生。固定文案、每人每日最多一次 Nudge students who have fallen behind, straight from the report. Fixed wording, once per student per day
學生嗰邊係一個封閉環境Students sit inside a walled garden
- 冇陌生人交友、冇商店、冇內購。「加校外玩家」係老師每班開關，預設關閉 No stranger friending, no shop, no in-app purchases. Adding outside players is a per-class switch, off by default
- 全 App 免 energy：學校已付費，堂堂唔使等回復、唔會撞牆 Energy costs are waived entirely. The licence covers it, so no student ever hits a paywall mid-lesson
- 註冊名同學號永久保存，任何人都改唔到。榜上只顯示花名，外界見唔到真名 Roster names and student numbers are permanent and uneditable. Boards show a nickname, never the real name
- 老師只見到班級層面嘅數據，唔會見到學生嘅持倉明細 Teachers see class-level progress, not individual portfolio holdings
- 學生自己完成 onboarding：揀頭像、行導覽，老師唔使代設定 Students onboard themselves: avatar, tour, done. Nothing for teachers to set up per seat
老師見到嘅畫面What the teacher sees
左邊係班列表，右邊係班詳情：公開開關、比賽、進行中功課、成班學生嘅主線進度同連續學習，一頁到底 The class list on the left, the class itself on the right: the privacy switch, the running competition, the open assignment, and every student's progress and streak on one screen
先導計劃招募中。想喺你間學校試行，或者想睇實機示範，直接搵我哋 The pilot programme is open. Want to run it in your school, or see a live walkthrough? Get in touch
我哋點講呢個科目How we frame the subject
FundLand 定位係理財通識／生命教育，唔掛鈎任何公開試課綱、唔提供投資建議、唔推薦任何真實股票。所有交易皆為模擬 FundLand is positioned as financial literacy and life education. It is not tied to any public examination syllabus, gives no investment advice and recommends no real securities. Every trade is simulated
產品資料表Fact sheet
FundLand 一頁睇晒FundLand in one page
- 產品Product
- FundLand（基金樂園）· iOS 原生 SwiftUIFundLand · native iOS, SwiftUI
- 類別Category
- EdTech × FinTech · 沙盒投資學習EdTech × FinTech · sandbox investing education
- 市場Market
- 香港（初始）→ 長遠面向亞洲Hong Kong first, built for Asia
- 對象Audience
- 22–25 歲初入市嘅人為主，兼及在職人士同大學生Mainly first-time investors aged 22–25; also working adults and university students
- 核心機制Core mechanic
- Learn-to-Earn：先學，先解鎖到投資工具同啟動資金Learn-to-Earn: lessons gate the instruments and the starting capital
- 課程Curriculum
- 主線 34 堂＋學派軌 101 堂（價值 28、指數 20、圖表工具箱 20、進階 33）34 core lessons plus 101 track lessons (value 28, index 20, charting 20, advanced 33)
- 市場數據Market data
- 超過 160 隻標的，真實報價（約 15 分鐘延遲），全部以港元計價160+ instruments on real prices (~15-min delay), all quoted in HKD
- 金錢Money
- 100% 模擬。不涉真實金錢、不提供投資建議、不推薦真實證券100% simulated. No real money, no investment advice, no securities recommendations
- 品牌角色Mascot
- 小狐狸，8 種情緒（招手／歡呼／教學／連勝／擔心／瞓覺／戴冠／思考）A fox with eight moods (wave, cheer, teach, streak, worried, sleep, crown, thinking)
- 參照Reference points
- Duolingo（關卡 UX）、Brilliant（視覺）、Robinhood（投資體驗）Duolingo (progression UX), Brilliant (visual language), Robinhood (trading feel)
問題The problem
冇人教過你點投資，但你一有收入就要開始落決定。學校冇教，社會預設你自己識，結果係當投資係賭博 Nobody teaches you how to invest, yet the decisions start the moment you have an income. Schools skip it and society assumes you will work it out, so investing turns into gambling
做法The approach
唔係俾一條魚你跟，而係令你自己分得出咩係魚咩係餌。課堂鎖住市場，理解係入場條件 Not a tip to follow, but the ability to tell an opportunity from a trap. Lessons gate the market, and understanding is the entry condition
護城河The moat
本地化深度（恆指、港鐵、領展、強積金、iBond）＋ Learn-to-Earn 強制次序 ＋ 填補「冇人教過」呢個空位嘅品類創造者定位 Depth of localisation (HSI, MTR, Link REIT, MPF, iBond), an enforced Learn-to-Earn sequence, and a category-creator position: the teacher nobody else provides
產品畫面 · iPhone 17 Pro · 2026-07-28 Product screens · iPhone 17 Pro · 28 Jul 2026
主題色Themes
四款主題色，撳一下即刻試Four themes. Tap one and watch
主題係玩家嘅嘢，唔係品牌嘅嘢。你喺 onboarding 就揀定自己嘅顏色，呢一版網站用同一套色票，你撳邊個，成頁一齊轉 Themes belong to the player, not the brand. You pick your colour during onboarding, and this page runs the same palette file: tap one and the whole site follows
App 入面同一個揀色器The same picker, inside the app
連埋淺色／深色外觀、綠漲紅跌定紅漲綠跌（港股慣例）都係你自己揀。網站呢四張卡，就係 App 嗰四粒色 Light or dark, and green-up or red-up for Hong Kong convention: you pick. The four cards below are the same four colours the app ships
升跌同對錯嘅顏色永遠唔跟主題變，教練嘅語言唔可以有歧義 Up/down and right/wrong colours never follow the theme. A coach's vocabulary can't be ambiguous
講清楚：呢個係教育用途模擬器Plainly: this is an educational simulator
- App 內所有金額、股票、交易皆為虛擬，並非真實金融服務 Every balance, holding and trade inside the app is virtual. It is not a financial service
- FundLand 唔提供投資建議，亦唔推薦任何真實證券 FundLand gives no investment advice and recommends no real security
- 報價來自公開市場數據，約 15 分鐘延遲，僅供教學示範 Prices come from public market data on roughly a 15-minute delay, for teaching only
- 學生資料唔會出售。學校帳戶用學校碼＋學號登入，唔需要學生電郵 Student data is never sold. School accounts sign in with a school code and student number, with no student email required
自己錢，自己要識睇Don't trade on hope. Trade on judgment
輸場模擬比賽，好過被割真嘅韭菜 Your financial playground before the real market