These Queens fifth-graders are more concerned with J.P. Morgan than J.K. Rowling.

Two kids won a chance to mingle with the financial elite at Cipriani last week after soaring to the top of a stock-market competition.

“We’re conservative investors,” deadpanned Amelia Kovtun, 10. “We play it safe.”

Teaming with Srinath Rao, the P.S. 174 duo discovered their Wall Street savvy through the Stock Market Game, an program that teaches financial literacy.

Competing with kids from 80 schools, Srinath and Amelia opted for blue chips like Apple and Google.

Both kids addressed the group of finance big shots — including NASDAQ CEO Robert Greifeld.

Asked about stock recommendations, Amelia didn’t hesitate.

“I’m really interested in Chobani,” she said. “Have you seen their financials?”