I have figured out the problems related to inflation, interest rate and capital, which is still helpful to me and I want to share with you. It is understood that from now on, if you invest 100 yuan every month, you will get one million yuan after forty years. At present, the monthly investment in the fund is 100 yuan, and 48,000 yuan (i.e. 48,000 yuan in principal) should be invested after 40 years. Suppose the inflation rate is constant at 6% and the bank interest rate is constant at 3%. Let the purchasing power of 48,000 yuan after 40 years be equal to the purchasing power of how much money is now set as X, and according to the formula X *1.0640 = 48,000 *1.0340, it is concluded that X is about 15200 yuan (that is, things bought with 15200 yuan now are the same as those bought with. Let the face value of the currency after 48400 be Z, and it is concluded that: 15200÷48000=48000÷Z is about 15 1600, that is, the currency value of 48000 now is equivalent to15/. Pension is not a big problem. Put the eggs in multiple baskets. This basket is worth putting an egg intentionally or unintentionally, at least as a guarantee.