The monthly fixed investment is 1000, and the fund's income after ten years is uncertain, mainly depending on the average rate of return of the fund in this decade. Different funds have different rates of return, and the same fund has different rates of return in different decades. The long-term return rate of general index funds is expected to reach 10%.

If calculated according to the average annual market rate of return 10%, regardless of the reinvestment of the fund's dividends, the investment will be 1 0,000 yuan per month and 1 per year, 200 yuan. After 10 years, the principal is 1.2 million, and the income is about 200,000. This algorithm is not accurate, because the fund can't grow steadily by 10% every year, but it may grow by 100% every year, and then it has been falling for the next few years, so the calculated income is very uncertain. The advantages of fixed fund investment lie in the accumulation of daily idle funds, the balance of costs and the dispersion of fluctuations, so it takes a long time for the advantages of fixed fund investment to be fully revealed. The long-term income of fixed investment is relatively objective, similar to the bank's zero deposit and lump sum withdrawal.