Arguments in Favor (Yes, They Should)
Teaching children about stock market investing can lay the foundation for financial literacy early in life. It helps students understand how money works, the power of compounding, and the difference between saving and investing. This knowledge can prevent poor financial decisions in adulthood.
In a world increasingly driven by economics and technology, financial education is no longer optional. Countries that introduce young people to personal finance, including investing, often produce more financially responsible adults. It empowers children to think long-term, understand risk and reward, and build generational wealth.
Moreover, using simulations and age-appropriate models like stock games can make learning fun and practical. These tools allow children to learn by doing, even without risking real money. Just as we teach maths or civic education, investing should be part of the modern curriculum.
Arguments Against (No, It’s Too Early)
Children may not be mentally or emotionally mature enough to grasp the complexities of stock market investing. Concepts like risk, volatility, economic trends, and diversification are difficult even for many adults, let alone pupils in primary or early secondary school.
Emphasizing investing too early could also lead to unhealthy money-focused mindsets. It might push children to equate personal worth with wealth or success in financial markets, rather than values like discipline, empathy, and creativity.
Finally, there is already a burdened curriculum in many Nigerian schools. Adding stock investing might push out essential subjects or overload children. Focus should first be placed on general financial literacy — savings, budgeting, and needs vs. wants — before introducing complex investment topics.
Conclusion
While teaching children stock market investing can build long-term financial confidence and skill, it must be done at the right time and in the right way. Early exposure is valuable, but the content should be simplified, optional, and paired with core money management principles. Gradual, age-appropriate education is key to building financially intelligent future citizens.
