National Cashflow Competition
IIC Cashflow Game
Welcome to the IIC Cashflow Game 2025. This immersive and educational game is designed to mirror real-world financial dynamics and teach you the art of managing cash flow effectively. Through engaging gameplay, you’ll gain firsthand experience with financial strategies, decision-making, and wealth accumulation—all in a risk-free, simulated environment.
💼 Build Your Career & Gain New Skills
Your career is one of the main ways to earn income, especially in the early game. At the start of the game, you can choose to work in different industries, each with its own salary and growth potential. As you gain experience and improve your skills throughout the game via a simple level progression system, you’ll have the chance to climb the corporate ladder, get promotions, and earn higher wages.
You can also invest in education to boost your skills. Pursuing a degree, taking online courses, or even just setting aside money for self-improvement can help you advance in your career faster. But education comes at a cost—will you spend your money now for long-term benefits, or find other ways to succeed?
📈 Play the Stock Market with ESG-Focused Investing
Want to try your hand at investing? The game lets you buy and sell stocks in a simulated stock market, each from a business sector in the game and different risk and reward potentials. But the stock market isn’t just random—prices change based on in-game market trends, economic cycles, and world events, just like in real life!
The best part? Investing in sustainable companies helps boost your ESG (Environmental, Social, and Governance) score which can offer extra advantages later in the game.
Will you go for high-risk, high-reward investments, or play it safe with steady, responsible stocks? The choice is yours!
🏦 Manage Your Money Like a Pro
Money management is at the heart of the game, and just like in real life, where you put your money matters. You’ll need to decide how to allocate your income wisely, balancing savings, investments, and expenses. Your money is divided into different accounts:
💰 Savings Account – This is your primary spending account, where you’ll store your cash and earn steady interest over time.
📈 Investment Account – This account is used to invest in the stock market, with the potential for higher returns but also greater risks.
🏡 CPF Account – A locked savings account that grows at a faster rate and contributes to your total wealth, even though you can’t spend it directly.
Smart financial planning will help you grow your wealth and prepare for unexpected expenses, making each decision an important step toward success.
🚀 Start & Grow Your Own Business
If working a job isn’t your thing, why not become an entrepreneur? You can start businesses in different business sectors with different market sizes and growth patterns, while competing with other players to grow your revenue over time. Business revenue depends on multiple factors, such as the ESG rating of the business, market conditions, economic cycles, and competition from other players.
To expand your business, you can also invest in Research & Development (R&D) to increase your earnings, but it comes at a risk—will your innovation pay off, or will it be a costly failure? The business world is full of challenges, but for those who play their cards right, it can be one of the best paths to financial success!
🏡 Buy Property & Invest in Cars
Not all investments are in the stock market! You can also purchase real estate and vehicles, which bring both financial and personal benefits.
🏠 Real Estate – Property values appreciate over time, making them a great long-term investment. Some properties, like HDBs, require players to reach a certain stage in their personal life before they can be purchased.
🚗 Cars – Different types of cars provide different benefits, such as increasing your happiness or boosting your ESG score. However, cars lose value over time, so buying and selling them at the right moment is key!
These assets can be important stepping stones to financial success, but managing them wisely is essential.
💳 Loans & Debt – A Double-Edged Sword
Sometimes, borrowing money is necessary to reach your goals, whether it’s buying a house, starting a business, or making a big investment. The game allows you to take out loans, but you’ll need to be careful—too much debt can drag you down and hurt your final score.
The key is responsible borrowing. Loans can be a great tool if used wisely, but failing to repay them in time can lead to financial penalties. Will you take the risk for faster growth, or play it safe and avoid debt altogether?
🎲 Life is Full of Surprises
Every turn in the game comes with new challenges and opportunities, just like real life. Landing on different tiles can lead to unexpected events, such as:
🎁 Opportunity Tiles – These can bring unexpected bonuses like financial windfalls, skill boosts, or increased happiness. But be careful—some opportunities might come with hidden risks!
🌍 World Events – Major global events can shake up the market, affecting stock prices, business revenues, and the overall economy. Will you adapt to the changes or struggle to keep up?
❤️ Personal Life Tiles – Investing in your personal life can increase your happiness and unlock new opportunities, such as the ability to buy property once you reach the marriage stage.
With so many unpredictable moments, no two games are ever the same!
🏆 How Do You Win?
Winning isn’t just about making the most money. The game rewards well-rounded financial decisions and strategic planning. Your final score is based on:
💵 Total assets – The value of your cash, stocks, properties, and businesses.
❤️ Happiness – The choices you make to improve your satisfaction level.
💸 Debt management – Keeping your debt and loans under control.
🌎 ESG contributions – The impact of your sustainable investments.
⭐️ Life goal achievement – Whether you reached your personal success target.
There are multiple paths to victory. You can win by being the richest, the happiest, or the most well-rounded player. Every game is a new adventure!
🎯 Interactive and Engaging Workshops
Between each game session, attend workshops on topics like compound interest, investment strategies, and sustainable finance. These interactive sessions will deepen your knowledge, adding real-life context to your in-game experiences.
✨ What are you waiting for?
The IIC Cashflow Game goes beyond traditional board games by immersing you in a holistic financial journey. With each move, you’ll hone your instincts, gain financial literacy, and build a foundation for smart money management. Join the National Cashflow Competition 2025 and experience a world where your choices shape your financial future.