Then I suggest you invest more money in the early stage.
If it is compound interest insurance. With a one-time investment of 50,000 yuan, you can basically return to your capital. If it is a few thousand a year, it will be enough.
In short, there is a saying in the insurance industry:
Time+compound interest = atomic bomb!
The more principal you have, the faster the interest will roll.
I made a plan before:
A one-time investment of 50,000 yuan, with a monthly interest of 4.5%, will be recovered in five years.