time.money Platform Terms
6 terms- Advisory Plan
- The SEBI-registered advisory stage of the time.money journey, where personalised, fiduciary (opens in new tab) investment recommendations are generated from the Discovery Plan (opens in new tab) 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 (opens in new tab), Credit Bureau (opens in new tab), 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 (opens in new tab).
- 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 (opens in new tab), 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 (opens in new tab), letting a user solve for any one variable (target amount, tenure, monthly investment, or expected return) while holding the others fixed.
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