/kloc-how much is it to deposit in the bank (regularly) or buy a fund in 200 yuan every month after 0/0 or 20 years? How to calculate? After 20 years, it will be 654.38+0 million. How much should I deposit now? 1. At present, China is in the cycle of interest rate reduction, and the one-year deposit interest rate is only 3.6%. Before 2009, the interest will be reduced at least 2-3 times, so it is definitely not cost-effective, and the early withdrawal can only be calculated according to the current interest.

2. Funds with different income levels are very different after 20 years. At present, bond funds can make fixed investment.

3. Fixed investment in 200 yuan every month, calculated by 8% income (medium level), 20 years is11815.0438+0 yuan; 10%/20 years is 15 1206.00 yuan;

4. If you want to reach1100,000 yuan after 20 years, you will invest 13 16.88 yuan per month according to the annual rate of return; Calculated by the annual rate of return of 8%, the monthly fixed investment is 1698 yuan; I think the average annual rate of return in these two years is more reliable, and this fixed investment is easier to do.