Guides
Financial concepts explained
Practical guides on compound interest, APY vs APR, dollar-cost averaging, FIRE 4% rule, portfolio allocation, staking yields and impermanent loss. Each guide pairs with the CompoundVision calculator that applies it.
Foundations
APY vs APR — How to Read Yield Numbers Honestly
APR and APY look interchangeable but tell different stories. Here is the math that converts one into the other, when each is honest, and how compounding frequency reshapes the same nominal rate.
April 30, 2026
Compound Interest Explained — Math, Frequency, and Real-World Examples
How compound interest actually works: the formula, the impact of compounding frequency, the difference vs simple interest, and what it means for long-term savings.
April 30, 2026
Portfolio & Investing
Dollar-Cost Averaging — Strategy, Math, and When It Beats Lump Sum
DCA spreads the same total investment across time. The expected-return math says lump-sum wins on average; the behavioral math is why most people still DCA. Here is when each fits.
April 30, 2026
Portfolio Allocation Fundamentals — Why Mix Matters More Than Picks
Brinson studies show asset allocation explains the bulk of return variance. Here is how to think about a starter mix, when to rebalance, and the most common allocation mistakes.
April 30, 2026
DeFi & Crypto
Impermanent Loss Explained — The Math, the Misconceptions, and When Fees Beat It
Impermanent loss is the LP's hidden cost when pool prices diverge from spot. Here is the formula, when it bites hardest, and how trading fees can offset (or fail to offset) the drag.
April 30, 2026
Staking Rewards — How They're Generated and Why APY Misleads
PoS staking pays a yield, but the headline APY hides validator costs, slashing risk, lockup periods, and inflation dilution. Here is what actually drives net staking returns.
April 30, 2026
Planning & Retirement
The 4% Rule — How FIRE Math Actually Works
The 4% safe withdrawal rate comes from the Trinity Study and Bengen's earlier work. Here is what it really claims, where it breaks, and how modern retirees adjust the rule.
April 30, 2026
Mortgage Amortization — How the Schedule Front-Loads Interest
An amortizing mortgage payment is constant, but the interest/principal split shifts dramatically over time. Here is the formula, what early payments really do, and when refinancing or pre-paying actually helps.
April 30, 2026
Sponsored