I'm telling you, isn't this investor investing 5, yuan every year, and the annual income is 3% each time? Then the power of X of each 5,× (1+3%) means that the total value of the money after X years of investment income, the first 5, has gone through 3 years, so it is 5,× (1+3%). This is why others think it should be added.

But there is a problem here. Look, there are 31 * * * 5, yuan, and there is one more. It is reasonable to say that 5, yuan should not be added. The last year's money has gone through one year.