The magic of compound interest is called the eighth wonder in the world by Einstein, and it is also the greatest charm of investment. Compound interest, commonly known as "rolling interest", refers to generating extra income from annual income on the premise of positive return and interest rate every year. You may have heard the story that the king of a certain country wanted to reward the soldiers who made meritorious service. One of the soldiers did not want silks, satins, gold and silver, and asked the king to put one in the first 54-box, and then put it twice in turn. If you fill 54 squares, it will take four years of grain to fill them. It can be seen that the fund's fixed investment compound interest effect is strong. To fully reflect the compound interest effect, we only need five conditions: first, we must act, and only by investing can we gain, which is fundamental. Secondly, it is necessary to convert the product income into the product principal, resulting in a rolling interest effect. Third, with enough time, the longer the time, the more obvious the effect. Fourth, there must be positive returns. The higher the rate of return, the more prominent the effect. Fifth, we should combine the characteristics of products and adjust products in stages without affecting the realization of long-term goals. Effective phased adjustment will also promote the greater embodiment of the compound interest effect.