Learning how to invest isn't like learning algebra. It's more like leveling up in a video game—requires patience, dedication, and staying sharp. Remember the following tricks that will help you in your preparation:

Money goals: everyone's got different goals—maybe you're all about stacking cash, making bank, or just setting yourself up for a chill future. Whatever it is, your investment moves should match your money dreams.

Risk vs. reward: think of it like this: the bigger the risk, the bigger the potential rewards. But don't go all in without knowing your limits. Figure out what you're cool with losing before diving in.

Spread your chips: ever heard of not putting all your eggs in one basket? Well, same goes for investments. Spread your dough across different stuff so if one thing tanks, you've still got a shot at winning big elsewhere.

Time matters: how long you're willing to wait for your investment to pay off matters. Short term? Long term? Know your vibe before jumping in.

Easy cash‑out: some investments are like quick cash grabs, while others take a hot minute to cash out. Think about how fast you'll need your dough if things get real.

Nerd out on numbers: to really crush it, you gotta know what's up in the financial world. Keep an eye on trends, numbers, and all that jazz to make smart moves.

Invest like a boss: there are tons of ways to play the investment game—like going after undervalued stuff, betting on growth, or riding market waves. Find your style and own it.

Keep it regular: don't just drop cash when you feel like it. Keep things steady by investing a set amount at regular intervals. It's like hitting up the investment arcade on the reg.

Pro tips: sure, you could go it alone, but why not get some guidance from the pros? Financial advisors know their stuff and can help you level up your investment game.

Investments aren't just stocks and bonds (yawn). Check out these cool options:

Stocks: it's like owning a piece of a company. Watch those numbers go up and down as the business world does its thing.

Bonds: basically, you're loaning out your cash and getting paid back with interest. A bit less risky than stocks, but still cool.

Mutual funds: pool your cash with others and let the experts handle the rest. Hands‑off investing at its finest.

Etfs: like mutual funds, but traded like stocks. Easy peasy.

Real estate: buy properties and watch that rent money roll in. Just be ready for some landlord duties.

Commodities: think gold, oil, wheat - real‑world stuff you can invest in.

Cryptos: the wild west of investing. Digital cash with a side of risk.

There's way more out there, so find what fits your vibe and go for it.

1. The Luminor Investor Game (hereinafter referred to as the "Game") is intended only for the participants specified in the Rules.
2. Registration for the Game starts on 05-10-2023. The Game starts on 23 October, starting with the first day of the Game and ends on 23 October, starting with the first day of the Game, starting with the first day of the Game.
3. Registration is made by contacting your private banker by email or telephone with your name and email address.
4. Registration for new entrants will be accepted until 20/10/2023, 17:00.
5. The game starts on 25 October 2023. The Game ends at 12:00 on 12 December 2023 at 14:00 (end of the Game). At the end of the Game, the results of all participants' portfolios will be recorded (i.e. the market value of the participant's investment portfolio on the day the result is calculated, i.e. the profit or loss generated), but the demonstration accounts will remain active for about one week after the end of the Game, until 19 December. Actions taken after the end of the Game as referred to in this clause will not affect the Participant's results.
6. All investment decisions are made on the Luminor Investor Demo platform.
7. Each Participant has one unique demo account in EUR currency. Each Participant will be allocated an initial amount of EUR 100 000.
8. The main objective of the Game is to generate the highest growth in the investment portfolio from the initial amount. Each week, interim results are published on the website in the form of a weekly leaderboard. The winners of the Game are the players with the highest portfolio growth at the end of the Game.
9. "The following financial instruments can be traded on the Luminor Investor Demo platform:
a.Shares;
b.Bonds:
c.Exchange-traded funds (ETFs); and
d.Investment funds.
10. Additional requirements for Game participants:
a.Make at least 10 purchases and/or sales of Financial Instruments:
b. invest a total of at least EUR 50 000.
11. "Luminor has the right to exclude a Participant from the Project and to terminate his/her access to the Luminor Investor Demo Platform if the Participant fails to comply with the requirements set out in Clause 10, fails to comply with these Rules and/or violates the Terms of Use of the Luminor Investor Platform. Such Participant shall forfeit his/her right to receive prizes.
12. By registering for the Game, you agree that Luminor Bank AS and/or its branch in Lithuania will use the data, trades and results related to your Luminor Investor Demo Accounts for non-commercial purposes. This may include sending important information to Game participants, publishing preliminary results, analysing the time spent on the Luminor Investor Demo Platform, the tools used and the profits made. The anonymity of each participant is guaranteed.
13. In order to ensure transparency in the Game, only participants specified in the Rules may register and participate in the Game.
14. "Luminor reserves the right to change and/or amend the rules of the Game as set out in this document without prior notice to the participants.

1. Prizes for the best performing Game participants:
1.1. 1st prize of the Baltic countries - Apple MacBook Air
1.2. 1st place in every country – Apple iPhone 16
2. The right to receive prizes is determined by Luminor bank representatives, taking into account whether the participant meets all the requirements specified in this document. The winners will be informed about the win at the specified e-mail address. postal address.
3. If the winners do not claim the prize within 3 months from the announcement of the results, they lose the right to receive the prize.
4. Prizes cannot be exchanged for money or other items.

1. Each week, anonymous results will be shared on the Luminor bank page, indicating the participant's ID number.
2. The final results of the Luminor investment game will be announced on 2024 December 18.

In case of technical problems or if you need help with certain features of the Luminor Investor Demo Platform, please refer to the Luminor Investor User Guide. In case of additional questions or issues not described in the Luminor Investor User Guide, please detail the problem to eugenijus.sutkevicius@luminorgroup.com, all questions will be answered within 3-5 working days.

The Luminor Investor Demo is a demonstration version and does not support all available features of the full version, i.e. transaction history records, material events or dividend payouts. The availability of financial instruments is limited compared to the full version and market prices are displayed with a 15 minute delay. If a participant notices that a material event (e.g. a stock split) has occurred in relation to one or more of his/her holdings, the participant is required to inform the Game Organisers at investorgamesupport@luminorgroup.com prior to any further transactions in a particular financial instrument. The organisers will carry out the calculations and adjust the quantity of the financial instrument. If further transactions are made in a particular instrument without informing the organisers, the participant will be disqualified.

In order for a Player to participate in the Game, Luminor processes the personal data of the Game Participants, such as the Participant's name, age and email address, which is provided upon registration on the Luminor Investor Demo Platform.

The controller of the personal data of the participants of the Game is Luminor Bank AS, acting in Lithuania through the Lithuanian branch of Luminor Bank AS, registration code 112029270, address Konstitucijos pr. 21A, LT-03601 Vilnius (hereinafter referred to as "Luminor").

We process the personal data of the participants of the Game in order to provide the opportunity to participate in the Game, to monitor its progress and to determine and announce the winners. The basis for the processing of personal data is the consent of the participant or the participant's legal representative, in the case of a participant under the age of 14, which is expressed by agreeing to these Terms and Conditions and which may be withdrawn at any time if the participant decides to no longer participate in the Game and the participant or the participant's legal representative, in the case of a participant under the age of 14, notifies Luminor by email to investorgamesupport@luminorgroup.com.

Personal data is processed for the duration of the Game. After the end of the Game and the announcement of the winner, within 7 days at the latest, the participants' accounts on the Luminor Investor Demo Platform will be cancelled and the personal data used will be deleted or depersonalised.

For more information on the processing of personal data and the rights of the participants in the Game in relation to the processing of personal data, please refer to Luminor's Privacy Policy or contact Luminor's Data Protection Officer at dataprotectionLT@luminorgroup.com.