投资增长计算器 Investment Growth Calculator
模拟一次性买入与定投计划，在给定年化收益率和投资年限下，计算最终资产价值、总投入和总收益，并展示资金曲线。
Simulate lump-sum and periodic investing, given an annual return and investment horizon, to see future value,
total contributions and total gains with an approximate growth curve.
1. 输入参数 · Investment Parameters
3. 投资方式小结 · Investing Approaches
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一次性买入（Lump-Sum Investing）：
适合已经有一笔较大闲置资金，且对市场长期趋势有信心的投资者。若长期收益率较高，一次性买入通常能更充分利用时间带来的复利效应。
Suitable when you already have a large sum of capital and strong conviction in the long-term trend. With a high long-term return, lump-sum investing often makes stronger use of time in the market. -
定期定额投资（DCA, Dollar-Cost Averaging）：
通过“每月/每年固定金额”分批买入，平滑进场成本，减少一次性买入择时错误带来的心理压力。特别适合拿工资做长期积累的普通投资者。
By investing a fixed amount every month or year, you smooth your entry price and reduce timing risk and psychological pressure. This is especially suitable for salaried investors building wealth over time. -
一次性 + 定投组合（Lump-Sum + DCA）：
先投入一部分本金，再结合稳定的定投计划，可以在利用复利的同时兼顾资金安全感与现金流安排。
Combining an initial lump-sum with ongoing contributions allows you to benefit from compounding while keeping some flexibility and comfort in your cash flow management.
说明：本工具基于固定年化收益率与规则定投进行理论模拟，未考虑市场波动、收益不确定性、税费、
分红再投资、汇率变动等因素。结果仅供学习与测算参考，不构成任何投资建议或收益承诺。
Note: This tool assumes a fixed annual return and regular contributions. It ignores market volatility,
uncertainty, taxes, fees, dividend reinvestment and FX changes. The results are for education and estimation
only and do not constitute any investment advice or performance guarantee.
