Regularly invest in SP500 SPYM SPY over the past 10 years: average annual return of 15% SPY over the past 20 years: average annual return of 11% Assume SPY averages 10% annual return over the next 50 years. Start by investing $5,000 today (34,000 RMB). Then invest $50 weekly (340 RMB, less than 1,500 RMB per month). In 50 years, you’ll have $4.2 million (28 million RMB). Simple and passive wealth building. Invest your money, invest your life, it’s simple.