年化收益率是什么意思
关键词：年化收益率是什么意思
很多理财工具都会显示出年化收益率是百分之几，各位朋友对年化收益率理不理解呢？是不是说投资一年就能得到那么多的收益呢？
其实，年化收益率是把当前收益率，如日收益率、周收益率、月收益率，换算成年化收益率来计算的，是一种理论收益率，并不是真正的已取得的收益率。
如，某理财产品的日收益率是万分之一，年化收益率则为2/10000×365=7.3%
但是，大家要注意，年收益率与年化收益率是不一定相同的，因为年收益率是一笔投资一年实际收益的比率，是实际收益率，而年化收益率则是理论收益率，两者有根本的区别。
年化收益率计算公式
年化收益率=（投资期内收益/本金）÷投资天数×100%×365
由此可以得出：年化收益=本金×年化收益率
实际收益=本金×年化收益率×（投资天数/365）
例子：某投资者购入1万元某种理财产品，该产品60天的年化收益率为4.72%，那么这种理财产品的收益并不是10000×4.72%=472元，而是10000×4.72%×（60/365）=77.59元
本文来源： 大田环球贵金属
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