The principal plus income * * * is 80587 yuan. There is a fixed formula for the fixed investment of the fund: m = a (1+x) [-1+(1+x) n]/x; Where m represents the expected return, a represents the amount of fixed investment in each period, x represents the rate of return, and n represents the number of fixed investment periods, which is expressed as the power of n in the formula. Then the expected total income after substituting the specific value =12000 (1+10%) [-1+(1+10%) 5]/1kloc. The total principal, including investment, is 60,000 yuan. It should be noted that each period in the formula refers to an annual period, so when the value A is brought in, the monthly fixed investment amount should be multiplied by 12.

Automatic investment plan

The full name of fixed investment fund is fixed investment fund, which means that at a fixed time, such as the 8th of each month, with a fixed amount, such as every time 500 yuan invests in a designated open-end fund, the fixed investment of the fund is similar to that of a bank. In the fixed investment of funds, what people usually call funds mainly refers to securities investment funds. Usually, funds have two investment methods, single investment and regular quota. Due to the low starting point and simple method of fixed investment, it is also called "small investment plan" or "lazy financial management". Compared with fixed investment, one-time investment may have high returns, but it also has risks. Because it avoids the influence of investors' subjective judgment on the timing of entry, the risk of fixed investment is significantly lower than that of stock investment or single fund investment. The fixed investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. Because it has the function of automatic bargain-hunting plus code and bargain-hunting minus code, it can always get a lower average cost no matter how the market price changes. Therefore, the fixed investment of the fund can smooth the peaks and valleys of the net value of the fund, thus eliminating the volatility of the market. As long as the selected funds have an overall growth trend, investors will get relatively average returns without worrying about the timing of entering the market.