Considering that saving pension funds is a long-term accumulation process, sharing the capital appreciation brought by time value through reasonable financial management will greatly reduce the required principal. The earlier you start investing, the less principal you need to accumulate.

Fixed investment is a way to invest and manage money in batches. Long-term persistence can effectively reduce the investment cost and the risk of market fluctuation, which is a good way for individuals to reserve pensions. Calculated by the return of 8% of the Shanghai Stock Exchange Index in 18, after 20 years, it is necessary to invest 1686 yuan in reserves1000000 pension every month, of which the accumulated principal investment is only 405,000 yuan. It can be seen that through the fixed investment of the fund, only a small amount of funds are needed every month, which is expected to realize the reserve of the pension fund without affecting the current quality of life. In overseas mature markets, fixed investment has also been highly praised by investment masters. Warren Buffett once said that by investing in index funds regularly, an amateur investor who knows nothing can often beat most investment experts.