The landlord did not calculate compound interest, which is commonly known as rolling interest. The calculation formula is as follows:

m= 12a( 1+x)[- 1+( 1+x)^n]/x

M: Expected income.

A: Monthly fixed investment.

X: one-year rate of return

N: fixed investment period (n power in the formula)

The landlord can search for "fixed investment calculator" to calculate by himself.

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The so-called compound interest is aimed at long-term average annual income. In fact, it takes a long time for A-shares, which are mixed, to have a good average annual income. The landlord's final understanding is actually correct. Compound interest is a process, which ultimately depends on the absolute return in the investment cycle. Only after making a profit can we not lose money.