Income
Income tips — answered in StockIT
10 questions from in-game boost tips, each paired with the feature that teaches it.
Browse concise answers, then open each question on its own permanent page for the full in-game lesson.
Why do investment fees matter so much?
Answer: Fees silently compound against you. Lower costs leave more of your return in your pocket over years.
In StockIT: Brokerage fees aren't simulated. Energy is your scarce cost per GEN decision - wasteful spam-taps feel expensive; clean reads feel efficient.
What is the difference between dividend stocks and growth stocks?
Answer: Dividend stocks pay cash along the way; growth stocks reinvest to try to rise faster. Both can fit a plan for different goals.
In StockIT: Hold for Dividend coins vs ride Market Rally / good-news momentum. Feel cash-drip names and growth names in the same office.
What are stock dividends in simple terms?
Answer: Dividends are cash some companies pay shareholders just for holding the stock - like a slow faucet of income.
In StockIT: Own the stock → Dividend Payment GEN → coins hit your balance. Passive income you can hear and spend in the same session.
What is an expense ratio?
Answer: An expense ratio is the annual fee a fund charges. Tiny-looking percentages compound into large dollar differences over time.
In StockIT: Fund fees aren't simulated. Treat energy like a cost of attention - efficient decisions leave more room to climb.
Should you reinvest dividends and gains?
Answer: Using dividends or gains to buy more shares increases ownership, which can increase future dividends and growth.
In StockIT: Take dividend coins and buy more shares immediately. Next dividend hits a bigger pile - drip → ownership → drip.
What are tax-friendly investment accounts?
Answer: Tax-advantaged accounts (like retirement accounts in real life) can let money grow with fewer yearly tax drags - rules vary by country.
In StockIT: Real IRA/401(k) accounts aren't in the game. Tip appears on boost screens as vocabulary - practice market habits with play money, not tax filing.
What is a 529 plan?
Answer: A 529 plan is a U.S. education savings account with tax advantages for qualified school expenses. Rules are country-specific.
In StockIT: US education-savings tip on boost screens - not simulated. Learn market feel in StockIT; real 529 choices stay with real advisors.
What is capital gains tax?
Answer: Capital gains tax applies when you sell an investment for profit. Holding longer can change the tax rate in many countries - rules vary.
In StockIT: Tax tip only - play money has no IRS. Disclaimer always on. Practice hold-vs-sell judgment without tax fiction.
What is an employer 401(k) match?
Answer: An employer 401(k) match is free contribution money if you contribute enough to qualify - often the highest-certainty 'return' available at work.
In StockIT: 401(k) match tip - not simulated. Boost-screen literacy only; StockIT teaches market habits, not payroll benefits.
What is the difference between Roth and Traditional IRA?
Answer: Roth accounts are typically funded with after-tax money for potentially tax-free qualified withdrawals; Traditional often defers taxes until withdrawal. Choice depends on your tax situation.
In StockIT: Retirement-account tip - not in-game. Glossary for SEO + honesty: practice judgment with play money, not tax accounts.