1, the expected annualized expected rate of return is 4.5%.
In fact, the meaning of annualized expected rate of return of 4.5% can be understood as follows: total interest income = investment amount *4.5%/ 12* time period;
The word "expected" is added, that is, the highest expected rate of return that the product issuer may reach after calculating the market price, so the expected rate of return cannot represent the actual expected rate of return, and the actual expected rate of return will be slightly lower than the expected annualized expected rate of return.
2. Calculation method of expected annualized rate of return of 4.5% interest.
According to the above meaning, we know that even if the expected annualized expected return is 4.5%, it does not mean that investors will eventually have so many expected returns, but we can estimate the expected return of this product.
Suppose that the expected annualized rate of return of a wealth management product is 4.5% and the term is 180 days. Then we will invest 654.38+ten thousand yuan, and we can get the expected income after meeting the deadline.
Total interest income = investment amount *4.5%/ 12* time period =100000 * 4.5%/180 * 360 = 2250 yuan;
Therefore, if you invest in a 180-day wealth management product with an expected annualized expected return of 4.5%, the total expected return is 2250 yuan.
The above is the expected income of wealth management products with an expected annualized income of 4.5%. I hope it helps you. Warm reminder, financial management is risky and investment needs to be cautious.