15+ years of dollar-cost averaging into funds—if I hold for 30 years, the numbers Doubao calculated for me totally blew my mind! Altogether, I’ve invested about 110,000 yuan as principal. In 2015, I received a cash dividend of around 30,000 yuan. Right now, the market value of the funds in my account is about 390,000 yuan. From the start of my investments until now, over 15 years, Doubao calculated my annualized return rate to be approximately 14.34%. Then I asked it to calculate: if I were to redeem the entire 110,000 yuan principal now and leave the remaining 280,000 yuan in pure profit to continue compounding, how much would it grow to in 10, 20, or 30 years? Here’s what Doubao said: ​1. You’ve already secured your 110,000 yuan principal, so there’s zero risk of loss. ​2. The remaining 280,000 yuan in pure profit—no matter how the fund fluctuates or if there’s a short-term crash—you can stay completely stress-free. ​3. As long as the fund manager doesn’t mess up and the fund size remains stable, based on your historical annualized return of 14.34%: ​​10 years: 1.06 million yuan ​​20 years: 4.08 million yuan ​​30 years: 15.59 million yuan After seeing this, I finally understand why the majority of Buffett’s wealth didn’t explode until after he turned 50. #CompoundingPower #LongTermInvesting