Principal × annualized rate of return × investment days /365
For example, a wealth management product sold by a bank claims that the annualized rate of return of 9 1 day is 3. 1%, so if you buy 1 ten thousand yuan, the actual interest you can receive is1* 3.1%* 91/30.
The conversion formula between annualized rate of return and actual rate of return is as follows:
Annualized rate of return = actual rate of return *365/ time span
Note: Sometimes 360 is used, sometimes 365 is used. It should be calculated according to the rules and regulations.
Question 2: How to calculate the annualized rate of return of dividend insurance? The calculation of insurance income is not what you think. Not based on the premium you paid, but based on the cash value, so I can't tell you. It can only be said that the income of this insurance you bought is too low, 3 1 10,000 in the tenth year, and the regular income is not as high as one year.
Question 3: How to calculate annualized interest rate and annual interest rate? What is the annualized rate of return (annualized interest rate)?
The calculation method of annualized rate of return is to convert the current rate of return (daily rate of return, weekly rate of return, monthly rate of return) into annual rate of return, which is a theoretical rate of return, not an actual rate of return.
Example of calculating annualized rate of return:
For example, a wealth management product sold by a bank has an annualized rate of return of 3.5% in 60 days, so if you buy 654.38+ 10,000 yuan, the actual interest you can receive is 654.38+ 10,000 *3.5%*60/365=575.34 yuan.
In addition, it should be noted that the general bank's wealth management products do not bear interest on the same day as bank time deposits, and return the principal and interest at maturity. Wealth management products have subscription period, liquidation period and so on. During this period, interest is not calculated according to the principal.
What is the annual interest rate？
Annual interest (one-year deposit rate). The so-called interest rate is the abbreviation of "interest rate", which refers to the ratio of interest amount to deposit principal or loan principal in a certain period of time. For example, the annual interest rate is 3.6%, which means that after your principal is deposited for one year, the interest you get is 3.6% of the principal. If you deposit 10000 yuan, the interest earned after 1 year is 360; The yield per ten thousand copies of Yu 'ebao is 1.2 yuan per day, which means that 1 copy is 1 yuan, and 1 ten thousand copies is 1 ten thousand yuan. If you deposit 10000 yuan in Yu 'ebao, the daily income will be 1.2 yuan, and the annual interest will be 438 yuan.
Question 4: How to calculate the compound interest of insurance annuity insurance? Annualized income insurance is usually compounded monthly in. The monthly interest rate is increased by 1 to the power of 12, and then multiplied by this number after 12 months. The obtained data minus 1 is the annual interest rate.
Question 5: What do you mean by insurance-linked interest rate and annualized rate of return? Insurance-linked interest rate refers to the exchange rate between two foreign currencies involved in wealth management insurance products as a reference to determine the return on investment. According to international practice, the exchange rate is based on meaningful quotations displayed on Reuters or TELERATE. As for the annualized rate of return of insurance, it means that the current rate of return (daily rate of return, weekly rate of return, monthly rate of return) is converted into annual rate of return to calculate, which is a theoretical rate of return, not an actual rate of return. For example, the annualized rate of return of a product is 3.05%. If you buy a product of RMB 6,543,800+,the actual due income after one year is RMB 3,050.
Question 6: What about the annualized interest rate of 5% and the income of 5% for 50 days? Calculation method
Interest = principal * interest rate (annualized interest rate) * time
= principal *5%*50/365
Question 7: How to calculate the "daily interest and monthly compound interest" mentioned by the insurance company? Your comparison is not comparable.
First of all, the negative interest rate is the current generation. The interest income of bank deposits is far less than the high inflation rate, but it is negative in bank deposits.
Secondly, the main function of insurance is protection. Insurance companies use customers' insurance money for investment and wealth management, and the dividend income is uncertain, so the principal value cannot be guaranteed.
"compound interest every day and every month" is just a gimmick. Theoretically, the function of compound interest is really amazing, but daily compound interest is unrealistic. Although it is feasible, the monthly interest compound interest is of little significance. But it doesn't mean that compound interest is not important.
I suggest you find more books on financial management to understand the important role and practical application of compound interest. Good luck!
Question 8: Know how to calculate the annualized rate of return of principal and interest = (interest *365)/ (principal * deposit days), that is, the interest of a unit principal within 365 days.
Question 9: Calculation formula of annualized rate of return = principal * annual interest rate /365* days.
Annual interest rate = income/days *365/ principal *100% = 20000/14 * 365/350000 *100% =148.98%.