The return on a five-year time deposit is certain, and its interest rate is controlled by the state. For example, the current annual interest rate on a five-year time deposit is 4.75%, and the return after five years will be 23.75%.

The return from a five-year fund fixed investment is uncertain and involves great risks. The market conditions of different investment targets are also completely different.

The significance of fixed investment is to level out costs, and it is just an investment method.