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My notes · Ethics
Mock Test 3 · Level I1d ago
82%18 of 22 correct
RM
Prof. Mehtanew lecture · 1d
Time Value of Money · 24 min
AI Tutoranswers from your open note
Why does EAR differ from the stated rate?
Compounding — 12% monthly is really 12.68% a year. Want the example from your note?
PS
Priya S.revised 30 cards · 2h ago
Flashcard · QuantFV = PV × (1 + r)ⁿTap to reveal
Card 12 / 30
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CFA · Level I
JD
Library
Quantitative Methods
Time Value of Money
Probability & Bayes
Ethics & Standards
Prof. Mehta — Textbook
Fixed Income
Quantitative Methods / Chapter 1

Time Value of Money

Money available today is worth more than the same amount in the future, because it can earn interest in the meantime. Every valuation question in Level I comes back to this idea.

FV = PV × (1 + r)ⁿ
12 flashcards generatedQuiz ready
AI Tutor
Why does EAR differ from the stated rate?
Compounding. Interest starts earning interest within the year — so 12% monthly is really 12.68% annually. Want an example from your note?
Ask about this note…
The periodic table of exams

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01
CFAChartered Financial AnalystAvailable now
02
CAChartered AccountantAvailable now
03FRMFinancial Risk ManagerComing soon
04CFPCertified Financial PlannerPlanned
05FMVAFinancial Modeling & ValuationPlanned
06CAIAChartered Alternative Investment AnalystPlanned
07CMACertified Management AccountantPlanned
08CPACertified Public AccountantPlanned
09ACCAChartered Certified AccountantsPlanned
10CIMAChartered Management AccountantsPlanned
11CTPCertified Treasury ProfessionalPlanned
+More sectors beyond commerce, after that
Faculty

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Prof. Rahul Malkan

Lead Instructor · CFA Charterholder

18+ years of finance education. Every RMATOM module is designed and reviewed by him.

RM

Prof. R. Mehta

Quantitative Methods · FRA

CFA charterholder. Fourteen years teaching Level I & II candidates.

SI

Prof. S. Iyer

Ethics · Portfolio Management

Author of the ethics textbook your workspace ships with.

Student reviews

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The AI tutor's ability to explain topics in multiple ways — formulas, diagrams, real-world examples — finally made everything click. I passed Level I on my very first attempt.

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Aashmi NagariaCFA Level I — First Attempt Pass

I work full-time and had only 2–3 hours a day. The adaptive quiz engine meant I never wasted a minute reviewing things I already knew. It constantly pushed me in my weak spots.

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Aayush JasaniaCFA Level I — First Attempt Pass

The knowledge graph helped me see connections between equity valuation, accounting and corporate finance I never noticed before. The spaced-repetition flashcards are genuinely addictive.

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Preya MehtaCFA Level II Candidate

The mock exams felt identical in difficulty and style to the actual exam — I wasn't surprised by anything on test day. The post-mock analytics showed exactly which domains to focus on.

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Urja ShethCFA Level I — Passed

The item-set mock exams trained me to read efficiently and avoid traps. Prof. Rahul Malkan's teaching style made complex FSA and equity topics digestible.

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Maher MottaCFA Level II — Passed

The structured revision sheets saved hours of note-taking, and the AI tutor handled all my last-minute doubts the night before the exam. Cleared it convincingly.

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Downloadable PDFs · Updated for the 2026 curriculum

Frequently asked questions

Is RM Atoms enough on its own, or do I need other prep material?+

It's designed to be your entire prep — full curriculum, professor textbooks and lectures, mocks, flashcards and an AI tutor in one workspace. Most students use nothing else. You can also import your own notes and PDFs, so anything extra you have lives here too.

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CA and FRM are next in line, followed by the rest of the table. Your account carries over — the workspace, your study habits and your notes stay the same; only the curriculum changes.

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