Funds with dividends have to calculate the annualized rate of return, just add dividends. In addition to monetary open-end funds, general funds are based on the net difference at the time of redemption or the difference at the time of transaction plus fund dividends to judge the income.

The annualized rate of return of the fund = (investment income/principal)/(investment days /365)× 100%. The annualized rate of return is only calculated by converting the current rate of return into the annual rate of return, which is a theoretical rate of return, not a truly realized rate of return.