how many years can this money stay invested? that matters more than the fund.
the longer equity is left alone, the less likely it loses money.
money you can leave for over a decade
8 in 10 active funds trailed their index over 10 years. spiva india, 2025.
not an investment recommendation. a sample, to show how kompound works.
all index funds.
your own split. the record we show is for the three splits we suggest, not for a custom one.
every slice of your split is an index. this is its record. past returns, not a forecast.
here is the record, fund by fund, over 5 years.
see all large cap funds →in the app, we read every fund you own.
against its index · since you bought it
30 minutes with an adviser, on google meet. your funds, against their index.
no one knows in advance which fund will beat the index. so we go with the index instead.
we take nothing from any fund house.
the same fee whatever you invest, with an adviser on call. paid by you, not by a fund house.
every number here traces to amfi and nse.
a fund that holds every company in an index, like the nifty 500, in the same proportion. nobody picks stocks, so the fee is small. you get the index’s return, minus that small fee.
an active fund pays a manager to pick stocks, and you pay for the picking. a passive fund holds the index as it is, for a small fee. the record: spiva india’s 2025 report found 8 in 10 active large cap funds trailed their index over ten years. don’t take our word for it. ask claude, chatgpt or gemini which has done better over ten years, and why. then check the screener, fund by fund.
a fund has to beat the index by more than its own fee just to draw level. over five and ten years the fee compounds and the stock-picking rarely does. spiva india’s 2025 report: 8 in 10 large cap funds trailed their index over ten years.
a rating is one snapshot of the past. the screener shows the whole record instead: how often a fund beat its index, year after year, and what it charged.
the fair test is the index, for the years you have held. the app reads every fund you own and shows each one ahead of or behind its index, and what it cost you.
one nifty 500 index fund holds 500 companies. two large cap funds, by sebi’s rule, both keep 80% in the same top 100. more funds of the same kind add overlap and fees, not spread.
the record: in their worst year the nifty smallcap 250 lost 70%, the midcap 150 lost 67%, the nifty 500 lost 59%. small cap lost money in 1 of every 3 one-year stretches; the nifty 500 in 1 of 4. the mix in the app comes from how long the money can stay.
it has fallen before. since 1995 the nifty 500 lost money in 1 of every 4 one-year stretches, and in no ten-year stretch. a sip that keeps going buys more units at the lower price.
across every start date since 1995, the nifty 500 lost money in 1 in 4 one-year stretches, 1 in 80 five-year stretches, and no ten-year stretch. that is what “rolling returns” means: every start date, not one. it is why the app’s first question is how long.
the same fund, two prices. the expense ratio is the slice the fund keeps each year, taken out before you see the nav. the regular plan’s includes a distributor’s commission, about 1% a year more. over twenty years that is about a fifth of the final sum.
yes. moving is a sale: any gain is taxed, and most funds charge an exit load inside the first year. the app shows the tax on each fund before you move.
with the fund house, in your name, as units of the index fund. kompound never holds your money. if kompound shut tomorrow, your units would still be yours.
one fixed fee a year, the same whatever you invest. the amount is in the app. we take nothing from any fund house and nothing as a share of your money.
everything on this page, on your phone.
launching soon · iphone and android