HiLo is a financial game that allows the player to predict if the price of the asset (ect. stock, currency) will close Above or Bellow the current price.

Above (Over) – if believe in increasing or higher prices

If the player think that an asset price will increase from the current level or close over a certain target price at maturity he should buy an “Over”-bet. He will win if the asset closes over the target price on the maturity date. If it closes exactly on his target price he loose his bet.

The greater the increase in the asset price he expect, the higher the target price, and therefore odds, he should choose to make the maximum profit on his bet if his bet becomes a winning bet.

Bellow (Under) – if believe in a decline

If the player believe a asset price will close under a certain target price he should buy an ”Under”-bet. He will win if the asset closes below the target price on the maturity date. If it closes exactly on the target price his bet is lost.

There are an equal amount of "Under" bets as "Over" bets, so it is always just as easy to bet on an increase or a decline. The player also have the possibility to protect his stock portfolio by buying “Under”-bets if he believe that the value of the market or a specific asset will decline.

The bets give the player the possibility to benefit from market movements and to make money even during a market decline.

If, for example, Google currently costs 18 USD but he think it will go below 17 USD he can buy an “Under”-bet with a target price as close to the level he believe in as possible.