Suppose: the annual rate of return = 10%, and the total income (including principal) after 8 years = 75,000 yuan.
Suppose: the annual yield = 15%, and the total income (including principal) after 8 years = 96,000 yuan.
The annual rate of return has a lot to do with the fund you choose. The above-mentioned annual return rate of normal stock market is not high.
Extended data:
The risk of fixed investment of stock funds mainly comes from the ups and downs of the stock market, and the risk of fixed investment of bond funds mainly comes from the fluctuation of the bond market. If there is a sharp decline in the stock market as in 2008, even if the fund decides to invest, it is inevitable that the market value of the account will drop sharply temporarily. For example, from June 5438+ 10, 2008, the Shanghai Stock Exchange Index was invested by fixed fund investment, during which the maximum loss of the account was -42.82%, and it was not until May 2009 that the account basically recovered its funds.
Secondly, the liquidity risk of investors. Historical data at home and abroad show that the longer the investment cycle, the less likely the loss is. If the fixed investment exceeds 10 years, the probability of loss is close to zero.
However, if investors lack financial planning for the future, especially underestimate the future cash demand, once the cash flow is tight during the stock market downturn, they may be forced to interrupt the investment of the fund and suffer losses.
Once again, it is the risk of investors' operational mistakes. The fixed investment of the fund is aimed at a long-term financial planning, which is a disciplinary investment, not a tool for short-term profit.