Love yourself, see you tomorrow | Regular fund investments, give your future a hug

Source: E Fund Investment Education Base

The recent popular social media phrase “Love yourself, see you tomorrow” has touched many people’s soft spots and brought clarity—loving yourself well is the beginning of lifelong romance. And investing is one of the most practical and solid ways to “love yourself.” Every contribution today is about accumulating more confidence and calmness for tomorrow.

“Love yourself”—a recognition of every effort and savings

Hard work and dedication, restraint in saving money daily, and every sacrifice and perseverance in life are all aimed at becoming a better version of yourself tomorrow. The same applies to regular fund investing: through small, consistent contributions, you gradually build wealth like grains of sand forming a tower.

Using the CSI A500 Index as an example, we simulated a scenario assuming weekly investments over the past 10 years, with weekly contributions of 20, 100, and 200 yuan. The total accumulated amounts after 10 years are shown in the table below.

Data source: Wind, calculation period from 2016/01/27 to 2026/01/27, using CSI A500 Index (000510) for simulation. The investment method is weekly fixed contributions, with deferred contributions on non-trading days, no purchase/redemption fees considered, and dividends reinvested.

The simulated annualized return is calculated using IRR: F = [An(1+r)^(dn/365)], where An is the amount invested at each period, F is the future value, r is the annualized return, and dn is the days from the nth contribution to the end date. The total return is calculated as R = (F - A) / A, where R is the cumulative return, F is the future value, and A is the total invested amount.

This is only a simulation of past returns for the CSI A500 Index and does not predict future performance. It is not a guarantee of investment returns nor investment advice. Investing in funds according to this method does not ensure the same results.

The advantages of regular fund investing go beyond this—it also helps solve the “timing difficulty” problem. When the market declines, you can accumulate cheaper shares through regular contributions; when the market rises, you can earn more profits. (Illustration: smiling curve—earn profits when rising, accumulate shares when falling)

“See you tomorrow”—believe in the power of compound interest over time

Regular fund investing, by buying in installments, makes you a friend of time, allowing your money to “grow” slowly with time. A small investment today may seem insignificant in the short term, but under the power of compound interest, it will accumulate day after day, year after year, helping “your future self” enjoy the gift of time.

For example, investing 300 yuan monthly with an annual return of 3%, after 10 years, you could have about 41,900 yuan; after 20 years, about 98,500 yuan; and after 30 years, about 174,800 yuan.

Ultimately, “Love yourself, see you tomorrow” is more than just a popular internet phrase; it’s a financial philosophy worth practicing. No need to wait until you “save enough money,” nor fear starting late. From today, use regular fund investing to embrace the future. A small contribution, a little persistence—building more confidence for tomorrow.

Disclaimer: This material is for investor education only and does not constitute any investment advice. We strive for accuracy and reliability, but do not guarantee the correctness, completeness, or timeliness of this information, nor are we responsible for any losses resulting from its use. Investors should not rely solely on this information for decision-making. Funds carry risks; investing prudently is essential.

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(Edited by: Xu Nannan)

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