Assuming that the return period of a wealth management product is one year and the yield is B, then the annualized interest rate R, R = (1+b) A- 1. Annual interest rate: annual interest rate ÷ principal × 100%, for example, 100 million is deposited in the bank, with an annual interest rate of 20,000 and an annual interest rate of 2 ÷100% = 2%. The annualized interest rate is mainly used for deposits and loans.