R stands for security risk calculation function, which has five grades, from 1 to 5, and the risk increases gradually. 2R in Bank of Communications Finance is the internal rating of Bank of Communications. According to the product specification, 2R stands for robust product, and only investors who reach the risk level can buy it.

The calculation formula of general wealth management products is wealth management income = invested capital × daily interest rate × actual wealth management days.

Among them, interest rates can be divided into annual interest rate, monthly interest rate and daily interest rate, which should be converted appropriately when calculating wealth management income.

The income of wealth management products is calculated according to the yield of wealth management products, the invested funds and the actual wealth management days. Of course, this formula is generally applicable to fixed-income wealth management products. For some complex wealth management products, other risk factors need to be considered. The above is the introduction of income calculation of wealth management products. It should be noted that the year of bank wealth management products is calculated according to 360 days, while other Internet wealth management products are calculated according to 365 days.

The interest calculation formula of bank wealth management products is: interest = principal * yield * product term, in which the yield includes 7-day annualization, daily interest rate, monthly interest rate and annual interest rate. Investors can convert interest rates and estimate interest according to the information details of different wealth management products. Take Minsheng Bank Suntory for 74 days as an example. The deposit rate is 3%. If you buy 1 000 yuan, the interest you can get at maturity is:10000 * (3%/360) * 74 = 61.7 yuan.

In addition, if the wealth management product gives the expected annual interest rate, then the calculated interest is only the predicted income, which should be based on the actual income when the product expires.

Calculation method of interest on various wealth management products:

I. Yu 'ebao

Calculation formula: (Yu 'ebao Fund/10000)X Fund Company's announced income per 10,000 shares.

For example, if you transfer Yu 'ebao's funds to 500 yuan: 500 yuan/10000* The income per 10,000 shares announced by the fund company on the same day is 0.8 188= the expected income is 4 cents/day.

Second, bank financing.

Calculation formula: principal × annualized rate of return /365 (360 in some banks) × actual investment days.

For example, if you deposit 50,000 yuan in the bank and the bank tells you that the expected annualized rate of return is 4.80%, then what he means is that the expected income of wealth management products is converted at 1 year, and the product may reach 4.8% when it expires. If the product reaches the expected annualized rate of return of 4.8% when it expires, your income is 50000×4.8%/365 (360 in some banks )× actual investment days.

Three. fund

Calculation formula. : Income = money received at redemption-investment principal.

Money received at redemption = shares * net value at redemption-redemption fee

Take 1.5% as an example:

Net subscription amount = subscription amount /( 1+ subscription rate) subscription and subscription fee = net subscription amount × subscription rate.

Subscription and subscription share = (subscription amount-subscription fee)/par value of fund share

The redemption rate is 0.5%. Redemption fee = share * net value *0.5%.

Finally, the money you can get back = share * net value-redemption fee

The calculation formula of fund subscription is: subscription fee = subscription amount × subscription rate. Subscription share = subscription amount ÷( 1+ subscription fee) ÷ net value of the fund unit on the day of application.

The calculation formula of fund redemption is: redemption fee = redemption share × net value of fund unit on redemption day × redemption rate.