Principle of contrast: contrast, not before and after. Comparability principle: the scheme must be comparable. Principle of balance between risk and income: extra risk needs extra income to compensate.

The principle of comparative analysis refers to the principle of comparability, including the comparability of the connotation and extension of indicators, the comparability of the time range of indicators, the comparability of the calculation method of indicators and the comparability of the overall nature of indicators. When using comparative analysis method to analyze data, we should strictly define the subjects used to compare the two sides. Two completely incomparable objects cannot get correct analysis data and reliable evaluation through comparative analysis method.

The appropriate rate of return on investment can be divided into the following five situations.

1, bank financing: the annualized rate of return of most banks is below 4%;

2. National debt: the yield of national debt is generally stable, basically between 2% and 4%;

3. Public Offering of Fund: The annualized rate of return of the Monetary Fund is between 2% and 3%. The annualized rate of return of bond funds is between 3%- 10%. The return rate of stock funds is very unstable, and the average annualized return rate is between 15%-20%. The yield of hybrid funds is between bond funds and equity funds;

4. Stock: 20% yield is reasonable;

5. Insurance financing: It is more appropriate to set the expected annualized rate of return at 3% ~ 5%.