In addition to risks, investors are most concerned about the expected benefits of financial management. Many people don't know how to calculate the expected income of financial management. There are many ways to manage money, such as bank financing, funds and bonds. The calculation methods of expected income of different financial management methods are also different. Let's take a look at how the expected income of financial management is calculated.

1, net worth wealth management product

The expected income of bank wealth management products and fund products is calculated according to product share and net value, and the calculation formula is: expected income = (redemption share * net value of current wealth management unit share)-principal, and the initial net value of product unit share is usually 1.

For example, if an investor buys a wealth management product with a net value of 50,000 yuan and the net value of the product is 1, then the share of the product held by 50,000 yuan is 50,000/1= 50,000.

If the investor redeems the product after holding it for one year, and the net value of the product rises to 1. 1, then the expected return of the product for one year = (50000 *1.1)-50000 = 5000 yuan.

2. Expected income wealth management products

Non-net-worth products generally calculate the expected return according to the annualized expected return, and the calculation formula is: expected return = principal * annualized expected return * investment days /365.

This kind of products will generally provide the expected annualized expected rate of return for investors' reference. The expected expected rate of return is not equal to the actual expected rate of return, but there is often little difference between the two.

For example, the expected annualized expected return of a wealth management product is 4.3%, so the expected expected return of an investment of 50,000 yuan a year = 50,000 * 4.3% = 430 yuan.

3. Bond products

The expected return of bond investment generally includes the interest during the bond holding period and the selling price difference of the bond. The calculation method of expected return is = selling price-issue price+holding period interest.

For example, investors buy 100 yuan bonds at the issue price of 100 yuan each, and the total number of bonds is 100, and the bond coupon rate is 4%. After holding 1 year, it will be sold at the price of 105 yuan. Then the expected bond yield = (100 *105)-10000+(10000 * 4%) = 900 yuan.

The above content about how to calculate the expected income of financial management, I hope it will help you. Warm reminder, financial management is risky and investment needs to be cautious.