The annualized rate of return refers to the rate of return obtained by investing for one year.
Annualized rate of return = [(return on investment/principal)/investment days] *365 × 100%
Annualized income = principal × annualized rate of return
Actual income = principal × annualized rate of return × investment days /365
Because it is a daily rate, 7-day annualization involves compound interest calculation, and the calculation method is as follows:
(∏( 1+Ri/ 10000 copies)-1) (365/7) ×100% = 7-day annualized interest rate.
Among them, Ri is the income per 10,000 shares on the latest I-th Gregorian calendar day (I = 1, 27), and the seven-day annual income of the fund is rounded to three decimal places.
Investment is to gain income, but when investing, you have to bear certain risks, and different industries have different risks. For example, to invest in the vegetable industry, it is necessary to preserve the vegetables as well as possible. When calculating the cost, it is personal risk to pay attention to the decay of vegetables.
The 7-day annualized rate of return is the annualized rate of return for the last 7 days. Every 7 days is different, and there will be fluctuations. It can only be used as a reference standard, which does not mean that you will get this benefit every day after you buy it.
Ten thousand income refers to every ten thousand income, because the net value of the money fund is always 1, so ten thousand income is what you can get if you buy ten thousand yuan. Because the income fluctuates every day, so does the annual income, about 3.5%-4.5%.
Simple classification of bank wealth management products:
(a) according to the income to distinguish:
1, fixed income category (capital preservation), that is, in a complete cycle, the principal is guaranteed to be absolutely safe and the agreed income is guaranteed.
2. Capital preservation and floating income, first of all, ensure the safety of the principal, and then the income is uncertain, which can be more or less, that is, floating unchanged, depending on the operation.
3. Floating income without capital preservation. It is possible to lose money, or it may be higher, that is, the income is not fixed and floating.
(2) By currency:
1, RMB wealth management products. Manage money in RMB.
2. Foreign currency wealth management products. Managing money in foreign currency requires different exchange rates, which leads to exchange rate risks.
3. Dual currency wealth management products. That is, products that combine RMB and foreign currency for financial management.
(3) According to the investment objectives:
1, new shares. Mainly to play new shares.
2. Bond market. Fixed income bonds, currencies, bills, etc.
3. Structure class. Mainly linked to various financial derivatives or foreign exchange. This kind of risk is even greater.
4.QDII class. Fixed income mainly invested in overseas markets.