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Money today is worth more than the same amount in the future. This fundamental principle (known as the Time Value of Money) is perhaps the most important concept in personal finance, yet it remains misunderstood by millions of Indians. Combined with the power of compounding, this principle can transform modest savings into substantial wealth over time.

Many Indians believe they're earning good returns on their Fixed Deposits or traditional savings, but the harsh reality is that inflation silently erodes their purchasing power year after year.

Welcome to the absolute basics of stock investing. We're going to keep things extremely simple in this series so you know exactly what you need to do without having to break your head.