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目前包括货币基金、互联网理财产品等都会公布七天年化收益率,但很多投资者对七天年化收益率并不理解。相关理财专家表示,很多投资者认为七天年化收益率就是产品的固定收益率,这其实是严重的误解。专家分析,七日年化收益率是用过去七天的每万份产品净收益加总后再进行年化处理,七日年化收益率作为均值指标只能体现过去七日大致的浮动。某只产品短期的七日年化收益率超高,可能意味着投资经理的操作风格比较激进,用户每天获得的收益往往有点像坐过山车,对普通用户来说稳定的高收益才是王道。
At present, including the monetary fund, Internet financial products, etc. will announce the seven-year annualized rate of return, but many investors do not understand the annual rate of return of seven days. Related financial experts said many investors believe that the seven-day annualized rate of return is the product’s fixed rate of return, which is actually a serious misunderstanding. According to expert’s analysis, the annualized yield on the seven-day basis is calculated by adding up the net income per 10,000 products in the past seven days. The annualized yield on the seven-day index, on the other hand, can only reflect the general fluctuation of the past seven days. The short-term high yield of a product on a seven-day annual basis may mean that the investment manager’s style of operation is rather radical. The user’s daily gain is often a little bit like riding a roller coaster, which is a boon to the average user.