1.
The annualized rate of return refers to the rate of return obtained by investing for one year. The calculation formula of actual income is:
Principal × annualized rate of return × investment days /365
2.
For example, a wealth management product sold by a bank claims that the annualized rate of return of 9 1 day is 3. 1%, so if you buy 1 ten thousand yuan, in fact, the interest you can receive is 65438+3.1%91/365 = 75.
3.
The conversion formula between annualized rate of return and actual rate of return is as follows:
Annual yield
=
Actual rate of return 365/ time span
Note: Sometimes 360 is used, sometimes 365 is used. It should be calculated according to the rules and regulations.
Second, the calculation formula of annualized interest rate
Investors put the principal C into the market. After time t, its market value becomes: P=V-C 2, the yield is: K=P/C=(V-C)/C=V/C- 1 3, and the annualized rate of return is: (1). Y = ( 1K) N- 1 =。 T- 1 or (2). Y = (v/c) n-1= (v/c) d/t-1,where N=D/T represents the number of repeated investments by investors within one year. D stands for the effective investment time of one year. For bills and bonds, D=360 days, and for stocks, 250 days, = (1k) n-1= (1k) d/t-= ∏ (.
Three. Annualized interest rate calculation formula
If an investor puts the principal C into the market and its market value becomes V after time t, the investment is: 1 and the return is: p = V-C.
2. The rate of return is: K=P/C=(V-C)/C=V/C- 1.
3. The annualized rate of return is:
(1). y = (1k) n-1= (1k) d/t-1or
⑵.y =(V/C)N- 1 =(V/C)D/T- 1
Where N=D/T represents the number of repeated investments by investors within one year.
Count. D said a year's effective investment time, for bank deposits,
Bills, bonds, etc. D=360 days, for stock, futures and other markets.
D=250 days, for real estate and industry, D=365 days.
4. In the case of continuous multi-period investment, y = (1k) n-1= (1k) d/t-1.
Where: K=∏(Ki 1)- 1, T=∑Ti.
4. What is the calculation formula of annualized interest rate?
The formula for calculating interest at annualized interest rate is: interest = annualized interest rate time of principal. To put it simply, if the annual interest rate is 2%, the interest earned after the principal is deposited for one year is 2% of the principal.
The annualized interest rate is in years. After converting daily income into interest rate, convert daily interest rate or monthly interest rate into annual interest rate to get annualized interest rate.
The annualized interest rate refers to the annual interest rate generated by wealth management products. For example, at present, the savings of wealth management products such as Yu 'ebao are converted into annualized interest rates. Because the income is different every day, the annualized interest rate will also change.