How to maximize the return by investing 200 per month and planning to save for 40 years

There is a 72 rule, but it is not allowed

If the annual interest rate is r%, your investment will double in about 72 r years.

For example, if the annual yield is 6, your investment will double in about 12 years.

Why do you say "about"? Because if the interest rate is too high or too low, the law is no longer there.

Apply. Assuming r = 72% fvif(72,1) = instead of assuming r = 36% fvif(36,2) = and not visible, the law is only an approximate estimate.

For 40 years, you can use the average of the S&P index.

The average return on investment in the United States over 77 years was, and in between, the largest financial turmoil it had experienced.

According to the calculation of 10% income, 200 per month, and then it will be 10,000. Of course, inflation is not taken into account here, not now, but in the future. If inflation is calculated at 3% (this is a normal level, this year's inflation is abnormal), it is probably equivalent to about 530,000 now.

The deposit bank must be losing money, and it can't keep up with inflation. It's better to buy **, and don't redeem it in the middle, stick to it.

I'm going to do that too, but what if something goes wrong in the middle of 40 years, like a war or something? No matter how much you save, you can't use it.

Because investment is risky, it is not certain how much money you can make after 10 years, and you may even lose all your money.

Many people have a misconception about regular investment, that is, many people think that low-risk regular investment will not have any losses, as long as you invest money, you will definitely have gains. Any investment and wealth management product has risks, but the risk is large and the risk is small. If the risk is small, then the probability of losing money is also small, but the return is also reduced.

Therefore, it is hoped that all investors can learn the relevant theoretical basis before managing their finances. Otherwise, you just splash your own money and you won't gain anything at all.

First, it is not certain how much money can be made.

There are many ** investment platforms on the market, and there will be ** regular investment options in these platforms. Although the introduction was blown out of the sky, the risk is very low, and the annual rate of return is more than 10%. But in reality, no company dares to say that there will be profits and no losses.

Therefore, the specific amount of money you can make can only be known after 10 years of investment, of course, the risk of regular investment is generally very small, and the probability of loss is not high, even if there is a loss, you will not lose too much money. Therefore, if you want to know the rate of return after 10 years, you can calculate it according to the 7-day annual rate of return of the branch. You can get a value and decide whether to invest or not according to the amount.

2. What factors does how much money you make depend on?

First of all, it depends on the monthly fixed investment amount, and the amount of principal is the most critical factor in determining how much money you make. If the principal is large, then there will be a higher capital, and if the interest rate is right and there are no losses during the regular investment period, you will get a large amount of money. Another point is the rate of return, which is controlled by the manager, so the rate of return is constantly changing.

If the level of the manager is high, the yield can always be stable at a higher value, then more money can be earned. Therefore, whether to make a regular investment depends on your own experience.

First of all, you have to determine what you have chosen, if it is currency, you can probably make a lot of money after 10 years, if it is ****, although you can make a lot of money, but the risk is also very large, and it is possible to lose.

**Regular investment is not a sure profit, let alone a fixed interest rate, or to choose a good **variety, and track the development of **, not a fixed investment for ten years once and for all.

Because there are many companies, and the rate of return of each type is not the same, if you choose to invest regularly, you can calculate the average annual rate of return of 8%, how much money you can earn in ten years.

**The market volatility is relatively large, and it is impossible to calculate the return specifically. Because it is possible to lose money, it is also possible to have profits, even if you choose the way of regular investment, there is no guarantee, and you will definitely have a positive return.

It may be possible to lose money after ten years, of course, it is not impossible to earn tens of thousands of hundreds of thousands, it depends on whether you choose the best or not, so this thing is not easy to calculate, a bit depends on luck.

If you choose** regular investment, it is not guaranteed to make money, because **regular investment is also an indirect investment**, and the final result may also be profitable and losing.

After 10 years, you can earn at least 50,000 yuan, because if you invest 2,000 yuan a month, you can invest 24,000 yuan a year, so you can get 50,000 yuan in interest after 10 years.

It mainly depends on what type of investment is **, but the general income is about 10%, which is equivalent to 4,000 yuan.

Many salarymen and parents have the need for fixed deposits for themselves or their children, but the interest rate of bank deposits is mostly not high, which cannot meet people's demand for investment profits, so regular investment has become a relatively suitable investment choice, and the expected return on investment is relatively stable, and it does not take too much time. So what is the expected return after 10 years of regular investment of 1,000 yuan per month?

1. What is the expected income after 10 years of fixed investment of 1,000 yuan per month?

The advantage of regular investment is that the daily idle funds are gathered into more, so the advantages of regular investment take a long time to fully manifest, and the long-term expected return of regular investment is more objective. Generally speaking, the expected annualized expected rate of return of long-term regular investment can reach about 10%.

In the case of not considering the reinvestment of ** dividends, the monthly fixed investment is 1,000 yuan, the annual fixed investment is 12,000 yuan, and the principal is 120,000 yuan after 10 years, if calculated according to the expected annualized expected rate of return of 10%, then the expected expected return after 10 years is about 190,000 yuan. Of course, this is a simple way of estimating, and the actual ** is generally based on the net value to calculate the expected return.

Second, the skills of regular investment

1. Regular investment can choose cash dividends or dividend reinvestment, dividend reinvestment is to convert **dividends into the same share of reinvestment to achieve compound interest, and general dividend reinvestment is not charged. In the long run, the expected return on reinvestment of dividends is considerable.

2. Although the regular investment is relatively stable, it is not risk-free, and the risk of net value fluctuation is different for different types. It will be safer to choose an old ** with stable long-term performance, and the expected income will be more stable. However, the greater the fluctuation**, the better the effect of amortizing the cost.

Therefore, investors also need to choose the appropriate ** products for regular investment according to their own circumstances.

3. **Regular investment is a long-term investment, once you choose to invest in it**, it is best to hold it for a period of time, and it is not recommended to change it frequently**, but the time and amount of regular investment can be modified at any time.

Regular investment** is a risky investment, and there may be losses in the short term.

If you choose a regular investment investment for up to 10 years, the risk is relatively small.

There is no fixed amount of income, there may be losses, and there may be better returns.

This depends on the ability of ** and ** to operate.

In recent years, most of the top regular investment yields are hybrid**, such as Huaxia Return, Huaan Baoli, and Fuguo Tianhui, all of which are stable, less risky, and top-ranked hybrid**. You can choose to invest regularly.

Under normal circumstances, the annual rate of return is about 5---10%. Hershey's may be a little higher.

If you invest 200 yuan per month according to the regular investment, the regular investment will be for 10 years:

The rate of return is 5%, and the total amount of funds can be 31,696 yuan.

If the yield is 10%, the capital is 42,074 yuan.

The actual total investment in 10 years is 24,000 yuan. The profit is about 7696---18074 yuan.

The annual income is generally around 8%-20%.

The index type is preferred for regular investment, because it is less disturbed by human factors, and is only a passive tracking index, and in the case of China's long-term economic growth, long-term regular investment will inevitably obtain better returns.

The active ** is greatly affected by the ** manager, and the current active ** performance in China is not ideal in terms of sustainability, often the champion of the previous year, the second year is not good, the replacement of the ** manager may also cause performance fluctuations, so if you hold it for a long time, it is better to choose the index **. If there is an exponential type, it should be preferred.

Extended Materials: Basic Concepts.

**Automatic Investment Plan (AIP) is known as lazy financial management, and its value is due to a saying circulating on Wall Street: "It is more difficult to accurately step on the market than to catch a flying knife in the air." "If you adopt the batch ** method, you will overcome the defects of only choosing one point in time to buy and sell, and you can balance the cost and make yourself invincible in the investment, that is, the regular investment method.

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 weight on dips and reducing the size on highs, no matter how the market changes, you can always get a relatively low average cost, so regular fixed investment can smooth out the peaks and troughs of net worth, and eliminate the volatility of the market.

The overall return on long-term investment** is better. Although the market has not been very good in recent years, the share of ** will be more from the lower position where the investment is started, and the returns will be faster and faster after the market picks up in the next few years. As a result, a better investment** Sharper will earn about $10 to 20% per year.

According to the annual output of 15%, the monthly investment of 500 yuan, after 10 years, the total amount of funds will exceed 140,000. The actual investment amount is 60,000 yuan. It can earn a profit of around 80,000 yuan.

Assuming that the annualized return of Zhaojucha is 10%, it will take 12 years to save 1 million!

The profit probability of the 1-year Shanghai Composite Index is, the profit probability of the CSI 500 is, and the profit probability of the S&P 500 is.

The profit probability of the 3-year Shanghai Composite Index is, the profit probability of the CSI 500 is, and the profit probability of the S&P 500 is.

The profit probability of the 5-year Shanghai Composite Index is, the profit probability of the CSI 500 is, and the profit probability of the S&P 500 is.

The profit balance probability of the 10-year CSI 500 is 100%, and the profit probability of the Shanghai Composite Index and the S&P 500 in the 20-year regular investment is also 100%!

So we can know that of course, regular investment can't make money without losing money, but there is a high probability that it can make money. The longer the fixed investment time, the greater the probability of profit and the more lucrative the return.

The probability of earning a profit ratio of 100% will reach 100% for 20 years, and the probability of earning a profit ratio of 100% will reach 100% in 10 years for the CSI 500. The S&P 500 is more stable, and the longer it is, the higher the returns. This may also mean that as the market matures, the benefits of regular investment may become more significant.