80 after want to retire in advance this how to manage money

Xiao Li after 80 thinks that" retire in advance", but now, the wages of his 3000 Yuan per month spend light basically , have no surplus at all. He has been convinced to manage money , realize the dream in advance for retirement, but do not know this how to do?
Analyse: In advance for retired enjoyment though, the opinion of life is good, but it is by no means easy to want to realize. But if participating in fund to throw surely, in advance for retired goal, it will not be idle dream again. According to the report, fund the principle thrown surely is very simple, it is to realize the growth of capital through long-term capital equalization with the form of compound interest( the coarse advantage claimed rolls advantage). And say on long-term, according to the index analysis of Dow Jones of America, the annual growth rate of America is 8% probably , is held continuously wantonly for 10 years , may be profited , even if when the American share calamity of 20 decade slumps 90% of prerequisites take off , even if when slump former top buies to enter , through capital equalization, before 7 years, may protect book , can also get profit for 10 years.
Suggest: Xiao Li now throws fund 1000 Yuan surely in every month , retires beginning from 25 years old, until 45 years old, if pass through fund according to the annual calculation of return rate of average 15%, after 20 years to throw the repayment accumulation after retirement surely, will reach 1500 thousand Yuan. Throw the fund kind of choice surely, had better share type fund. In which, Peng China Chinese 50 and general day profit , Peng the fund profits such as China value advantage is relatively rich.