You will definitely get the money after 15, but you'd better think clearly that after 5000 and 15, you will pay 75000 yuan a year (excluding inflation and other factors), and after 15, it will not pay you back at once, but in stages. . . If you want to get more income as an investment, then this is not dispensable. It can only be used as your choice to spread the risk. . . If you invest, this is almost the same as the final income of bank deposits, but you guarantee that this fund will still exist after 15 years, and bank deposits are supported by the state, so it will generally not go bankrupt in China. . . Think it over before you choose. . .