Performance benchmark refers to how much income a financial product can earn after maturity, and is only a reference value for the actual rate of return of a financial product.

The performance benchmark of 3.3% is that the return ratio of users investing in financial products is 3.3%.

It should be noted that the income of the final financial product will deviate from the performance benchmark to a certain extent.

Performance benchmarks are often encountered in fund investments.

Performance benchmarks allow us to calculate how much we can earn at maturity.

For example, if you invest 10,000 yuan, the holding period is 1 year, the performance benchmark is 3.3%, the interest income after maturity = investment principal * performance benchmark * holding time = 10,000 * 3.3% * 1 = 330 yuan.

When investing in funds, users should have fund knowledge and understand all aspects of the fund, such as when the fund was established, the fund's recent net worth trends, and the fund's dividends over the years, etc.

, fund manager, fund manager, fund type, etc., and then choose to intervene at a position where the net value of the fund is lower.

After the net value of the fund rises, it can be sold to make a profit.

When investing in funds, you can use the fixed investment method.

Typically, you purchase a certain share of a fund each month or week.

Through long-term subscription, the net value of the fund can be reduced.

Generally, when making fixed investments, you should choose funds with good growth potential.

Finally, the Fund may experience losses on its fixed investments.

Performance comparison benchmarks and expected returns both represent revenue estimates.

When used as a reference for historical performance, they are sufficiently similar that they can be used to calculate an approximate revenue estimate.

For example, if the performance benchmark (expected rate of return) of a product is 5%, the estimated annual return on an investment of 100,000 yuan is 5%*100,000=5,000 yuan.

However, it should be noted that the expected rate of return is often rigid in nature, that is, the actual rate of return after the product matures will not differ greatly from 5%.

The performance benchmark only has reference value and does not have the nature of rigid redemption and does not have the role of any actual return commitment, that is, there may be a large deviation between the actual return rate of the product and the performance benchmark.

This is related to the nature of net worth financial products.

The actual income of net value products is calculated based on the net value of the unit share. This net value can only be known on the product redemption date.