For people who don't have much investment experience or do not have much time for financial management, if they want to invest in funds, it will be a good way to invest in funds. Because the fixed investment of the fund does not require much skill, you can buy it regularly after choosing the fund. As long as you set the purchase conditions, you don't even need to buy it manually. Then, if we insist on a daily fixed investment of 100 yuan, what will be the income after 10 years?

Because the income of different types of funds is very different, the amount of fixed investment income needs to be viewed according to the type of fixed investment funds.

First of all, if you want to get relatively stable income, then you have to choose money funds and short-term debt funds.

Money fund is the most stable fund variety, and there is basically no possibility of loss, so you can buy it with confidence. However, its rate of return will not be very high. At present, the annualized rate of return of most money funds is less than 3%, which has exceeded 4% at a high time in history.

At the rate of return of 3%, if you invest 100 yuan every day, it will be 36,500 yuan a year. With the term of 10 year, the 36500 in the first year can generate income in 9.5 years (which can only be counted as half-year income in that year), and the 36500 in the second year can generate income in 8.5 years, and so on. Then by the end of 10, the principal plus income will reach 420,000, and after deducting the principal of 365,000, the income will be 55,000.

The income stability of short-term debt funds is slightly lower than that of money funds, but the yield of most short-term debt funds will be higher than that of money funds, and it should not be a problem for the average yield to reach 4%. According to this income, the daily fixed investment is 100 yuan. In an ideal state, the principal plus income after 10 years can reach about 450,000 yuan, of which the income is 85,000 yuan.

Secondly, if you can take some risks and hope to get higher returns, you can choose convertible bond funds, partial debt mixed funds and a few long-term debt funds. The highest rate of return of these funds is expected to exceed 10%, but there may be losses. From the stability point of view, the partial debt mixed fund is not as good as the convertible bond fund, and the convertible bond fund is not as good as the long-term debt fund.

If the yield is 10%, the daily fixed investment is 100 yuan. After 10 years, the principal plus income can exceed 6 10000 at most, and the income can reach 245000.

Thirdly, if you are still not satisfied with the above rate of return and can bear greater risks, then you can choose stock index funds, partial stock mixed funds and stock funds. Although these three funds have higher returns, they are also more prone to losses. Relatively speaking, index funds are the most stable, followed by partial stock mixed funds, and stock funds are the last.

The average rate of return of excellent index funds is between 10%-20%. If the median value is 15%, then invest 100 yuan every day. Under the ideal situation after 65,438+00 years, the principal plus income can exceed 790,000, which is more than double the invested principal, and the income reaches 425,000.

Relatively excellent partial stock hybrid funds and equity funds can achieve a yield of more than 20%. At this time, the daily fixed investment is 100 yuan. After 65,438+00 years, the maximum principal plus income can exceed 654.38+0.04 million, and the income exceeds 675,000.

It can be seen that different funds are selected for fixed investment, and the income difference is great. The longer the time, the greater the income difference.

However, the above assumptions are based on the results under relatively ideal conditions. The ideal conditions mentioned here are, on the one hand, that the fund bought is the best of its kind, and on the other hand, the income calculated by compound interest.

In fact, many times it is difficult to achieve the ideal conditions for making a fixed investment in the fund. For example, buying a hybrid fund and an equity fund with an average yield of over 20% is a small probability event. For example, some funds will give investors cash dividends after making money, and the net value of the fund will decrease after dividends. If the dividends cannot be used to buy funds, the income will not increase with compound interest.