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# Expected rate of return

Edit: Rong 360 finishing Source: Rong 360 Date: 2014-03-24

Summary:

The expected rate of return, also known as the expected rate of return, is the rate of return that can be predicted based on known information if no unexpected events occur.
Expected rate of returnAlso known as the expected rate of return, it is the rate of return that can be predicted based on known information if no unexpected events occur.

Less than one yearBank wealth management productsThe expected rate of return on the specification is the annualized rate of return. The investment period is extended to one year, and the actual rate of return needs to be calculated after conversion. If bankFinancial productIf it is calculated on a monthly basis, then the actual rate of return is calculated as: annualized rate of return ÷12Months × months of investment; if bankFinancial managementIf the product is calculated on a daily basis, then the actual rate of return is calculated as: annualized rate of return ÷365 days × investment days.

Expected return is not equal to actual income

The wealth management products of each bank will have an expectation of their income, but investors should understand that the expected return does not equal its actual income. For example, some products have an expected rate of return of 12%, but they use an 18-month yield, and if they convert to an annual rate of return, it is 7.99%.
A class description of a commercial bank's product indicates that if the “net value of the open-end product unit” is greater than the “net value of the product unit when the performance compensation was last received”, then the performance compensation = the share of the open-day wealth management product × (open day product) Unit net value - the net unit value of the product when the performance was last collected) × 20%. From these words, it can be simply understood that if the net value of the product is higher than 1.07, 20% of the excess will not be owned by the investor, but will be owned by the bank! Therefore, investors must look at the product specifications while purchasing bank wealth management products, and do not be blinded by the so-called "highest income."

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