2.5%~3.6% of wealth management products means annualized income. The annualized rate of return refers to the rate of return obtained by investing for one year. The calculation formula of actual income is: principal × annualized rate of return × investment days /365 annualized rate of return is only calculated by converting the current rate of return (daily rate of return, weekly rate of return and monthly rate of return) into annual rate of return, which is a theoretical rate of return, not an actual rate of return.