twenty thousand yuan is saved for five years, and the interest is: 2 * 3.6% * 5 = 36 yuan.

As the fund is uncertain, it depends on the economic situation and the stock market, so it is difficult to estimate the situation after buying the fund for five years. If it is a fixed investment fund, it will hold the fund for five years, and the income is not much different from the current economic situation and the stock market, it should be better than that in the bank.