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CompoundX Academy

Understand first. Invest second.

Plain-English guides to how money works in India — compounding, funds, deposits, bonds, protection and tax. Written to help you decide, not to sell you something.

articles & explainers
27
step-by-step guides
7
glossary terms
74

ArticleRetirement

Your retirement number: how to estimate it

Retirement planning starts with one figure: the corpus your expenses may need. How to estimate it step by step, and which assumptions move it most.

4 min read

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Topics

Start with what’s on your mind

Each topic brings together the reading, the guides, the key terms and the tools in one place.

  • Mutual Funds

    NAV, costs, categories and SIPs — what the numbers on a fund page actually mean.

  • Fixed Deposits

    Cumulative or payout, bank or corporate, ladders and premature withdrawal.

  • Bonds

    Face value, coupon, price and yield — and why prices move when rates do.

  • Insurance

    Term cover, health cover and how to think about how much is enough.

  • Retirement

    Corpus, withdrawal rates and inflation — the years after work, planned.

  • Taxation

    Capital gains, TDS and holding periods, without the jargon.

  • Investing Basics

    Compounding, inflation, risk and goals — the ideas everything else rests on.

  • A–Z

    Not sure what a word means?

    74 terms, each defined in a sentence and explained with an example.

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Guides

Step by step

Practical walkthroughs for the things people actually do — each step says what to do and why.

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Explainers

In two minutes

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Market insights

Reading the numbers

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Insights explain how markets work. They are not forecasts or recommendations.

Financial glossary

Every term, in plain English.

From NAV to YTM — a sentence to understand it, a page to master it.

  • Compounding

    Earning returns on past returns as well as on the original amount, so growth accelerates the longer money stays invested.

  • NAV

    Net Asset Value

    The per-unit value of a mutual fund scheme, worked out from the market value of its holdings after expenses and published each business day.

  • SIP

    Systematic Investment Plan

    A way to invest a fixed amount in a mutual fund at regular intervals, usually monthly, instead of investing everything at once.

  • XIRR

    Extended Internal Rate of Return

    An annualised return for investments with several cash flows on irregular dates, such as SIPs, top-ups and partial withdrawals.

  • Expense ratio

    The yearly cost of running a mutual fund scheme, shown as a percentage of its assets and deducted from the scheme before NAV is published.

  • YTM

    Yield to Maturity

    The annualised return on a bond bought at today’s price and held to maturity, if every payment arrives as promised and coupons are reinvested at that rate.

FAQs

Questions people ask us

All FAQs

CompoundX is a platform for understanding, planning and growing your money. You can learn how investments work in the Academy, see where you stand with the Wealth Lab, plan goals in Goal Studio, run the numbers with our calculators, and talk to a CompoundX relationship manager. When you decide to invest in a product we make available, a regulated partner handles KYC and transaction execution, and CompoundX stays with you to track goals and review progress.

No. Most of CompoundX is useful well before you invest anything: the Academy, the glossary, the calculators, Goal Studio and the Wealth Lab all work without an account. Create an account if you want to save results and track goals, or book a consultation when you have questions about your own situation. Whether, when and how to invest stays your decision.

CompoundX provides education, calculators, factual analytics and goal planning. These are illustrations built on assumptions you can see and change — not personalised recommendations to buy or sell a particular product. Any regulatory registrations CompoundX holds, and the services they cover, are listed on our Disclosures page. For decisions about your own situation, you can talk to a CompoundX relationship manager, and you may also choose to consult a SEBI-registered investment adviser.

Start with the basics in the Academy: what compounding is, how mutual funds and deposits differ, and why an emergency fund usually comes first. Then try the Wealth Lab for a snapshot of where you stand, and the SIP Lab or Goal Studio to see what a goal might take. None of this commits you to anything, and you can bring your questions to a CompoundX relationship manager at any point.

No. CompoundX does not hold client money or securities. When you invest in a product made available through CompoundX, you pay from your own bank account through the regulated partner’s or product provider’s payment process, and your investments are held in your name with the product provider or depository. CompoundX keeps a record of each handoff and its status, so it can help you track your plan.

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Short explainers on the ideas people ask about most. Until then, the two-minute explainers cover the same ground in writing.
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