As we all know, at present, the interest rate of one-year fixed deposit in banks is 3.00%, which can be expressed as deposit 100 yuan. After one year, you can get interest of 3.00 yuan, which is the annualized rate of return for one year. From here, we can see that the calculation of annualized rate of return needs to be divided into two steps: the first step is to convert it into one year; The second step is to convert it into 100 yuan. Below I will give an example to illustrate how to calculate the annualized rate of return of an investment.

For example, on February 8, 20 12, I bought 200 09 offshore bonds with a total price of 96.906 yuan (transaction price of 95.65438 yuan +070 yuan+accrued interest of 65438 yuan +0.736 yuan). Today's bond closing price is 65438 yuan +0065438 yuan +0.65438 yuan. The full price is 10 1. 178 yuan +6.57 yuan = 107.748 yuan. It takes 8 months and 2 days from buying to selling, which is converted into August/65438+February +2 days /365 days =0.67 years. So how to calculate?

The first step is to convert it into one year: (107.748 yuan -96.906 yuan) /0.67 =X/ 1 year, and X= 16. 18 yuan, which means that the profit in 0.67 years is/kloc-0.

The second step is to convert it into 100 yuan: 16. 18 yuan /96.906 yuan =Y/ 100 yuan, and Y= 16.70 yuan, which means that I spent 96.906 yuan to buy 09 offshore bonds for profit.

From the definition of the annualized rate of return of the deposit bank, it can be concluded that the annualized rate of return of the investment project that I bought 09 offshore bonds is 16.70%.

If expressed by the formula (the derivation process is omitted): annualized rate of return = (maturity price-purchase price)/(remaining term × purchase price)

For example, the annualized rate of return of investment projects that purchase 09 offshore bonds =( 107.748 yuan -96.906 yuan) /(0.67× 96.906 yuan) = 16.70%.