Guides
Every article here is written by us, in plain language and without hype. Each one pairs with a calculator so you can check the ideas yourself. Full articles are currently published in Chinese; the summaries below are translated for reference.
Start here
What is compound interest?
How interest turns into new principal, and why the curve keeps getting steeper over time.
Read in ChineseCompound vs simple interest
One comparison table, and how far apart the two methods end up over long horizons.
Read in ChineseThe formula explained
FV = PV × (1+r/n)^(nt), taken apart symbol by symbol so you know exactly what the calculator does.
Read in ChineseGoing further
How to use the calculators
Choosing an input rate, a compounding frequency and extra contributions so the model reflects reality.
Read in ChineseRegular investing pitfalls
Five details that are easy to get wrong: timing, assumed rates, pausing contributions, fees and inflation.
Read in ChineseThe Rule of 72
The classic mental shortcut for doubling time, and the long-term thinking behind it.
Read in ChineseCompounding with small amounts
Starting from a few hundred a month: how to track it, what to expect and how to stay consistent.
Read in ChineseNote: the full text of these articles is currently available in Chinese only. Translated versions are on the way.