年化收益率是什么意思？
第一篇：年化收益率是什么意思？
人们在购买理财产品时，都会发现理财产品尤其基金类理财产品常常涉及到年化收益率、七日年化收益率等相关概念。那么，年化收益率是什么意思？本文将为您予以介绍。
一、什么是“年化收益率”
“年化收益率”，简单来说就是一笔投资一年的实际收益比率。更详细来讲，“年化收益率”仅是把当前收益率(日收益率、周收益率、月收益率)换算成年收益率来计算的，是一种理论收益率，并不是真正的已取得的收益率。例如日利率是万分之一，则年化收益率是3.65﹪（平年是365天）。
二、“年华收益率”的计算公式
（1）年化收益率=（投资内收益/本金）/（投资天数/365）×100%
（2）年化收益=本金×年化收益率
（3）实际收益=本金×年化收益率×投资天数/365
三、举例说明
比如投资者购买某银行卖的一款理财产品，号称91天的年化收益率为3.1%，那么你购买了10万元，实际上你能收到的利息是10万*3.1%*91/365=772.88元，绝对不是3100元。另外还要注意，一般银行的理财产品不像银行定期那样当天存款就当天计息，到期就返还本金及利息。理财产品都有认购期，清算期等等。这期间的本金是不计算利息或只计算活期利息的。
本文来源： 大田环球贵金属
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