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time.money Platform Terms
Plain-language definitions from the time.money glossary.
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time.money Platform Terms
6 terms- Advisory Plan
- The SEBI-registered advisory stage of the time.money journey, where personalised, fiduciary investment recommendations are generated from the Discovery Plan data, kept explicitly distinct from the platform's non-advisory tools like net worth tracking or the Conversational AI.
- Conversational AI (time.money)
- time.money's AI assistant, currently in testing for loan-related queries, which operates on defined logic and rules to answer questions. It does not provide investment or loan advice, which remains the exclusive domain of the platform's SEBI-registered advisory process.
- Discovery Plan
- The first stage of the time.money journey, where a user's assets, liabilities, goals, and protection gaps are mapped (via Account Aggregator, Credit Bureau, and manual entry) to build a complete, auto-updating picture of their finances before any advisory recommendation is made.
- Fair Value
- A time.money framework that classifies a stock or fund as Undervalued, Fairly Valued, or Overvalued relative to its intrinsic worth, using third-party research data as an input for context, not as investment advice, which is reserved for the SEBI-registered Advisory Plan.
- Retirement Readiness Estimator (RRE)
- A time.money tool that projects whether a user's current savings trajectory will meet their retirement needs across defined lifestyle tiers (Essentials, Comfortable, Aspirational), factoring in inflation, expected returns, and years to retirement.
- Wealth Compounding Estimator
- A time.money tool that projects how a goal's required corpus and monthly investment interact under the power of compounding, letting a user solve for any one variable (target amount, tenure, monthly investment, or expected return) while holding the others fixed.