Fund investment, profit and loss are possible.

Moreover, the income and risk of different types of funds are very different.

Assuming an average annual rate of return, we can calculate a result, but whether it can be realized is another matter.

For example, suppose the annual average rate of return is 8% and you invest in 800 yuan every month. After 20 years, the total principal and interest will be:

=FV(8%/ 12，20* 12，-800，0， 1)

=474357.77

According to statistics, in the past 20 years, the probability that the funds with fixed investment and tracking the Shanghai Composite Index can achieve an average annual income of 8% during this period is about 80%.