The basic formula for calculating the annual interest rate of wealth management funds is: annual interest rate = principal × annual interest rate × term. If the principal of the financing fund is 200,000 yuan, the investment period is one year, and the annual interest rate is 4.5%, then the interest that can be obtained after one year is = 200,000× 4.5 %×1= 9,000 yuan. It should be noted that the wealth management fund is not a fixed interest rate, and the fund belongs to floating income wealth management, so we should have a sense of financial risk, otherwise the interest will not meet expectations, the principal will be lost, and we will be disappointed or wrangled everywhere.

The interest rate given by wealth management funds is generally expected rate of return or benchmark interest rate. Generally speaking, there is a saying that only bank time deposits or treasury bonds have fixed interest rates, while others are floating, and the actual rate of return is different. There are only fluctuations and principal risks. If you want a relatively stable financial management fund, you can choose a money fund or a bond fund. Bond funds are the most promising and relatively stable funds with a yield of 4.5%.