Historically, the annualized interest rate of 10.8% is not high. In the past few decades, the average annualized rate of return of the stock market is about 10%, while the annualized rate of return of some high-risk investments (such as options and futures) may be higher.

The annual interest rate refers to the deposit interest rate for one year. The so-called interest rate is the abbreviation of interest rate, which refers to the ratio of interest amount to deposit principal or loan principal in a certain period of time.