【Analysis】Since $\frac{A E}{A B}=\frac{A F}{A C}=\frac{1}{3}$, therefore $\mathrm{EF} / / \mathrm{BC}$
Therefore $\mathrm{S}_{\mathrm{EBD}}=\mathrm{S}_{\mathrm{FBD}}=\mathrm{S}_{1} \rightarrow \mathrm{S}_{1}+\mathrm{S}_{2}=\mathrm{S}_{\mathrm{EBC}}=\frac{2}{3} \mathrm{~S}_{\mathrm{ABC}}=40$
When the sum is constant, the smaller the difference, the greater the product, so when $S_{1}=S_{2}$, that is, when $D$ is the midpoint, $S_{1} \times S_{2}$ is maximized at $20 \times 20=400$
5. As shown in the figure, the area of $\triangle \mathrm{ABC}$ is $60, \mathrm{E}$ and $\mathrm{F}$ are points on $\mathrm{AB}$ and $\mathrm{AC}$ respectively, satisfying $\mathrm{AB}=3 \mathrm{AE}, \mathrm{AC}=3 \mathrm{AF}$, point $D$ is a moving point on segment $B C$, let the area of $\triangle F B D$ be $S_{1}$, the area of $\triangle E D C$ be $S_{2}$, then the maximum value of $S_{1} \times S_{2}$ is $\qquad$