Apprenez la gestion de votre argent


Each grade level looks at three larghe themes : make a budget, manage credit and learn how to invest.

The training sessions are offered as extracurricular activities and the students receive a certificate of participation.  The academic results obtained in the final exam are converted to tokens which, in turn, allow the students to receive units from the Académie du Trésor investment account. Thus, the students hold real assets in a diversified investment portfolio.

To learn and then to get a redeemable cash value out of it are fundamental to the  Académie du Trésor, because they allow you to go from theory to practice.

The token we give to the student has many purposes : it catches the attention of the child as it is tangible motivating; it also helps him understand the notions he learned during the program. Over the levels, the student will acquire precious knowledge that will allow him to understand the principles of financial planning and how to build up an investment portfolio.  The student will gradually learn those notions while participating to various practical learning exercices and meeting with professionals from the industry.


age 17 to 20 / Last year of that level / 25 hours

  1. To Be the King of Your Own Finances !infoThe course overview, the presentation of the teacher and a quick look at the learning tools will allow the student to familiarize with the mission of the academy and the value of the convertible tokens.We will present a short initiation to philanthropy. The student also dresses up his financial portrait by establishing his personal goals, filling his balance sheet and starting his budget.
  2. The BudgetinfoThe student learns about different types of income, the inpact of income taxes and factors that affect taxable income. Fixed and variable expenditures are also studied in order to identify savings vectors and how to manage liquid assets. Pertinent exercices allow the student to diferentiate basic needs and desires. The student also learns the notion of available income and what it should be used for.
  3. Banking Services and InterestsinfoOverview of different types of banking accounts and related fees, different types of loans (margin, personal, mortgage, car). We also talk about debt consolidation and indebtedness. In the second part of the course, the student learns about interests, how they are calculated and what they are used for, types of interests (simple or compound) and the rule of 72.
  4. Financial ServicesinfoWe tackle three subjects during that course : insurance (types, student's insurance needs analysis and study of real-life situations), legal aspects (Will, mandate in case of incapacity) and invesment account types (RRSP, TFSA and RESP).
  5. Buying your First House – Guest Speaker from the Mortgage IndustryinfoA guest speaker from the mortgage industry initiates the students to the steps, costs and programs related to homeownership.
  1. Final exam