For example, if you don t invest 1500 per month, 2000 will invest in 3 years with a rate of return o

**The total amount of funds after n years of regular investment.

xn=a[1-(1+b)^n]/-b

where x represents the total amount of N years (including income and principal), A represents the amount invested annually (for example, 200 yuan per month, a 2400 yuan), and B represents the income (for example, the annual income is 15%, and B, N means that it is to the n power (it cannot be superscripted, so it has to be expressed in this way).

For example, if I want to buy 1,000 yuan per month for 20 years, how much will I earn plus principal after 20 years?

x20 = 1000 * 12 * [1 - (1 + 10,000 yuan.

Revenue 1.23 million - 20 * 12 * 1000 990,000 yuan.

The amount redeemed after 3 years is about 13,000 yuan, and the amount at this time is not included in the redemption fee, if we count the redemption fee, then the total amount redeemed after 3 years is about 13,000 yuan.

How to calculate the fee for auto-investment redemption:

The cost of regular investment redemption has a lot to do with the holding time, and the redemption rate is different for investors who hold ** for different times. If the holding time is less than 7 days, the redemption rate is based on the redemption amount; If the holding period is more than 7 days, but not more than 1 year, the redemption rate is; If the holding period is more than 1 year but less than 2 years, the redemption rate is; If the holding time is more than 2 years, the redemption rate is 0.

If you are buying from a bank**, you will generally be charged at the time of purchase and redemption. If you are using **AIP, there is no additional charge for the AIP function, and the handling fee for the purchase of ** will only be involved if the AIP is successful. There are no purchase and redemption fees for currency, and the charges for other currencies are determined by the company, and after buying at the bank, you can click on the name of the company through mobile banking or online banking to see the rate.

In general, ** management fees, custody fees, sales service fees, etc. for investments are not charged in the transaction.

Extended Materials. Regular investment refers to investing in an open investment at a fixed time and a fixed amount, and it has several advantages compared to a one-time purchase:

1. The procedures are simple, time-saving and labor-saving.

When making a regular investment, investors only need to set the time and amount of each regular investment when making the first purchase to ensure that the bank card funds are sufficient. It is automatically purchased and debited, and does not require investors to make a manual purchase every time.

2. Don't consider the timing.

Regular investment is a long-term investment, and investors don't have to care about the time of entry or the market.

3. Average investment cost.

The regular investment funds are invested in installments, and the cost of investment is high and low, and the long-term average is relatively low, which disperses the investment risk to a large extent.

4. Compound interest effect.

The income of the regular investment plan is a compound interest effect, and the interest generated by the principal is added to the principal to continue to derive income, and the compound interest effect becomes more obvious over time through the effect of rolling interest.

Principal income at maturity and: RMB (not counting redemption fee).

I calculated that it was 12534. It's different from downstairs. Who's right?

However, regular investment requires long-term investment in order to reflect and give full play to its advantages. 3 years is too short for you to invest, at least 5-20 years is about the same.

10% per annum? Are you dreaming? I have been taking a few of the ones I bought for more than 2 years, and I am still losing more than 20%.

27,920 yuan.

If the annualized rate of return of 8% is fixed, then it can be regarded as a monthly deposit of 500 yuan for a period of four years.

The formula for calculating the interest on a lump sum deposit is: interest, monthly deposit amount, accumulated monthly accumulation, and monthly interest rate.

Cumulative monthly accumulation (deposit times 1)*(deposit times) 2=(48+1)*48 2=1176;Monthly interest rate = 8% 12;Monthly deposit amount = 500.

The interest income after four years is: 500 * 1176 * 8% 12 = 3920 yuan, and the investment principal is 500 * 12 * 4 = 24000 yuan in four years. The total principal and interest is 27,920 yuan.

**Regular Investment. Generally speaking, there are two types of investments, namely single investment and regular fixed amount. Due to the low starting point and simple method of "fixed investment", it is also known as "small investment plan" or "lazy financial management".

Compared with regular investment, the one-time investment return may be high, but the risk is also great. Due to the avoidance of the influence of investors' subjective judgment on the timing of entering the market, the risk of regular investment is significantly reduced compared with **investment or **single investment.

**Regular fixed investment has the characteristics of similar to long-term savings, which can accumulate a lot, spread the investment cost evenly, and reduce the overall risk. It has the function of automatically increasing the size of the bargain and decreasing the size of the high, no matter how the market changes, it can always get a relatively low average cost.

Therefore, regular investment can smooth out the peaks and troughs of the net worth and eliminate the volatility of the market. As long as there is an overall growth in the selection, investors will get a relatively average return, and they no longer have to worry about the timing of entering the market.

**Regular investment is 500 per month, the income is 8%, how much money is there after 4 years, I hope there is a detailed calculation process, thank you very much!

**Regular investment is 500 yuan per month, with an annual rate of return of 8%, and the principal and interest after 4 years

You can use the excel function fv() to calculate:

fv(8% 12,4*12,-500,0,1) = The formula is:

After four years, the sum of your principal and interest will be yuan.

However, now the general risk-free return is not as high as 8%, and the annualized return of the general currency ** is only 5%. So you don't dream about the 8%.

**There will be more than 200 left after 4 years of regular investment! Still counting on 8%? Earnings?!!

If you buy ** regular investment of 1,000 yuan per month, the principal of this three-year investment is about 36,000 yuan, but ** regular investment cannot guarantee the income, this income may be positive or negative.

Buy a ** fixed investment, 1000 yuan per month, how much can you earn after three years?

A: The return is uncertain, it may be a loss, or it may be a 50% return.

If you want to know how much you can earn, you can use a gadget to calculate it first.

How about the one-click calculation of your regular investment income by the regular investment time machine?

We can first use the regular investment time machine to test the income of the regular investment and whether it is profitable.

But before calculating, we know that choosing a good ** is the key to whether the regular investment can get returns. So how can you choose a good one?

The first step is classification.

According to the different classifications of investment objects, it can be divided into many categories, such as **, bonds**, currencies**, hybrid** and index**.

The second step is to choose a style.

After choosing the type that suits you, the next step is to conduct a comprehensive evaluation of all aspects of the **, from the perspective of the ** itself, the reference indicators are net worth, yield, rating, etc.

The third step is to investigate deeply.

It is necessary to have an in-depth understanding of the situation, from the perspective of the company, the reference indicators include management scale, whether there are violations, etc.; From the perspective of the best manager, the reference index has experience, performance stability, anti-risk ability, etc.

The fourth step is investment evaluation.

An investment assessment assesses whether you are a good fit to invest in this type of investment**.

The fifth step is to make a final decision!

Select several alternatives** and make a final choice after a comprehensive analysis. Of course, you can also help you through professional channels, such as making an appointment with an investment advisor from Private Placement.

**If you invest 1,500 yuan per month for 10 years, the return difference is 394,000 yuan, and the regular investment is 10 years, if you invest 1,500 yuan per month, if the average annualized rate of return reaches 15%, the total investment income after 10 years is 394527 yuan, and if the annualized rate of return is 20%, the total investment income after 10 years is 516466 yuan. It can be seen that it specifically determines your profit rate in the past ten years and whether this **advantage** is an advantage**.