This can only be used as mathematical calculus. At present, the interest rate of five-year time deposit is 5.5%. In fact, such a long-term deposit cannot guarantee an annual income of 5.5%. On the contrary, if such long-term funds are invested in the fund, the probability of realizing them is greater. Simple algorithm, assuming that the next 40 years will be five-year deposits, eight times in a row. The previous 10 year term and principal and interest were 5+516256.255+3+15175.555+314662.55+2/kloc respectively. 438+01902.53150021088010350, total130545./kloc-