the annual interest rate of the fund is 3%? That's not as good as a bank time deposit.

one-time investment requirement:

= PV (3%, 3,,3,,,1) =-1,235,96.28

If calculated by the current five-year deposit with an annual interest rate of 5%, only one investment is required:

= PV (5%, 3,,. 3 * 12,,3,,,1) = 5135.28

If the fund is properly operated, according to the past performance of the Shanghai Stock Exchange Index, if the investment lasts for more than 1 years, the probability that the average annual rate of return can reach 8-1% is greater than 8%

, but the past performance does not mean that the fund is risky in the future

, so the investment should be cautious.