This can't be counted, because the daily income of the fund is also floating. The annual rate of return of 20% cannot be defined (is it 20% after the first full year or 20% after all the fixed investment is completed in that year? ) This rate of return can be found on the website of your corresponding online banking or fund company. Generally, there will be a corresponding rate of return on it. (that is, you can look at the website of the company where you handle the fixed investment of the fund) and there is no way to make a budget, because if stock funds and hybrid funds watch the rise and fall of the stock market, it has something to do with the time of your fixed investment every month and the price you buy that month. Moreover, the current stock market is relatively depressed, and it is basically impossible to achieve a yield of 20%. It would be very good if the stock type can be a positive return in the current market. In the long run, it will be good if the city can reach 15% all the time. The approximate algorithm is like this, but it is not accurate, and it should be slightly more than the actual one. 400* 12* 1.2 = income at the end of the first year 57605760 *1.2+400 *1.2 = income at the end of the second year1.