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YOVIDAI Investing Companion
beginner 3 min read

Compounding — the beginner's real superpower

Small returns, on top of small returns, on top of small returns — until it isn't small.

Compounding means the returns you earn start earning their own returns. Year 1's profit becomes part of Year 2's investment, which earns more, which becomes Year 3's base — and so on.

₹1,000/month invested for 30 years at a 12% annual return becomes about ₹35 lakh. Of that, only ₹3.6 lakh is what you put in. The remaining ₹31+ lakh is compounding doing its thing.

The three inputs that matter: how much you invest, what return you get, and how long you leave it alone. Time is the most powerful of the three — you can't buy it back.

Analogy: rolling a snowball down a snowy hill. It starts fist-sized and boring. By the bottom, it's the size of a car. That's compounding.

Terms you'll see
  • CAGRCompound Annual Growth Rate — the smooth annual return over multiple years.
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