income = principal * annualized rate of return * financial management days/365

= 1, * 3.65% * 365/365 = 3,65 yuan

This investment can earn 3,65 yuan.

Extended information:

1) Annualized rate of return refers to a theoretical rate of return calculated by converting the current rate of return into annualized rate of return. The formula for calculating the actual income is: principal * investment days * annualized rate of return /365 days, which is mostly used for calculating the income of wealth management products.

for example, a wealth management product sold by a bank claims that the annualized rate of return in 91 days is 3.1%, so if you buy 1, yuan, the interest you can actually receive is 1, *3.1%*91/365=772.88 yuan, definitely not 3,1 yuan. In addition, it should be noted that the general bank's wealth management products do not bear interest on the same day as the bank deposits on a regular basis, and return the principal and interest at maturity.

wealth management products have subscription period, liquidation period and so on. During this period, no interest is calculated on the principal or only the current interest is calculated. For example, the subscription period of a wealth management product is 5 days, and it is 5 days between the maturity date and the liquidation period of principal repayment, so your actual capital occupation is 1 days. The actual annualized rate of return of funds is only 772.88 * 365/(11 * 1,) =2.79%. Assuming that the actual annualized rate of return of funds is Y, the equation 1, *(91+1)*y/365=772.88 can be listed, and y=2.79% can be obtained. The absolute income is 772.88/1, =.7728%.

2) For long-term wealth management products, the subscription period and liquidation period may be negligible, but for short-term wealth management products within 7 days or one month, this time has a great impact. For example, the bank's 7-day wealth management product claims to have an annualized rate of return of 1.7%, but it takes at least 8 days of funds, 1.7%*7/8=1.48%, which is almost the same as the bank's 7-day notice deposit, while the bank's notice deposit is much more convenient and stable than the general risky wealth management products. Therefore, to look at the annualized rate of return, we must not only look at the claimed figures, but also look at the actual income figures.

under different income carry-over methods, the calculation formula of seven-day annualized rate of return should be different. At present, there are two ways to carry forward the income of money market funds. One is to pay dividends on a daily basis and carry them forward on a monthly basis, which is equivalent to daily simple interest and monthly compound interest; The other is daily dividend, which is carried forward by the day and is equivalent to daily compound interest, in which the formula for simple interest is (∑Ri/7)×365/1 ×1%, and the formula for compound interest is (∏(1+Ri/1)-1) × (365/7).