If you simply evaluate the rate of return of the fund's fixed investment, you can simply understand the current median of the fund's fixed investment as 10% per year. If you do this, the profit will reach 50%~60% after five years, and there will be a certain compound interest effect. If we can insist on long-term fixed investment, the fund will basically not have a big loss, but will also have a certain profit.
First, you need to calculate your total investment.
If we simply calculate the monthly investment in 500 yuan, we will invest 6,000 yuan every year and 30,000 yuan in five years. On the same day, 30,000 yuan was not a one-time investment, but gradually entered the market in the form of fixed investment in batches. The rate of return will not be as high as one-time investment, but it can play a role in stabilizing costs and reducing risks in this way.
Second, you can simply estimate the annualized rate of return.
If you have allocated your assets and have both offensive and defensive abilities, you can set the annualized comprehensive rate of return as 10%. 10% doesn't mean that you can get a return of 10% every year. If you extend the timeline to five years, your annualized average return rate can reach 10%. This rate of return does not look high, but it is already very powerful for most investors.
Third, you need to further evaluate the current market.
Let me just give you an example. Your holding cost in a bull market is definitely higher than that in a bear market, because the current market is at a high level, and no one can judge whether the current market is the end of the bull market or the middle of the bull market. Under such circumstances, no one can accurately calculate your profit. Of course, if you can maintain your annualized rate of return at around 10%, your income will be about 15000 yuan in five years, and the total capital may reach 45000 yuan by then.