If you decide to invest instead of redeeming, it's easy to miss the opportunity. No one can guarantee that after 20 years, the stock market will rise so high-the stock market will rise and rise, which is usually a flash in the pan, like 2007, which has not risen for so many years before. Once it is missed, it will be difficult to have such a good opportunity again.

If you make a fixed investment, increase or decrease the fixed investment and redemption according to the market situation, then you can definitely get much higher income than bank deposits.

If you want to invest continuously for 20 years, but you don't care, you'd better save it, or invest in a pure debt fund or a money fund. Don't touch stock funds.