Being in the investment and wealth management industry, it is very necessary to know the most basic calculation of expected annualized interest rate. As a stable expected annualized expected return, the fund's fixed investment is favored by individual investors. Do you know the formula for calculating the expected annualized expected return of the fund's fixed investment?

Formula for calculating the expected annualized expected return of the fund's fixed investment:

m=a( 1+x)[- 1+( 1+x)^n]/x

M: historical expected annualized expected return

A: Fixed investment per period.

X: Expected annualized expected rate of return

N: fixed investment period (n power in the formula)

Pay attention to the matching of a, x and n, the amount of fixed investment per month, the expected annualized rate of return per month, and the number of months of fixed investment. If it is one year, it will be counted after reunification.

Assume that the monthly investment in 300 yuan (3600 yuan per year), the expected annualized expected income 15%, will be fixed for 35 years.

3600 (1+15%) [-1+(1+15%) 35]/15% = 3648044 yuan.

A fund suitable for long-term fixed investment should be like this:

(1) The long-term expected annualized expected rate of return is good and stable, and the transaction cost is low.

(2) The risk is small and tolerable.

(3) Low threshold, suitable for long-term investment (don't buy tens of thousands)

(4) Regular products and strict supervision.