How do wealth management products calculate income?

The calculation method of financial income is generally: income = investment principal * rate of return * investment time. If the investor's investment principal is 6,543,800 yuan, the annual yield of wealth management products is 3%, and the investment time is 1 year, then the income is 10000 * 3% * 1 = 300 yuan. In addition, the income calculation methods of different wealth management products may be different, such as Alipay Yu 'ebao and WeChat Bitcom. The income is calculated on a daily basis, and the calculation formula is: confirmed principal/10000 * 10000.

1. For closed-end wealth management products with fixed term, the general calculation formula is: income = (investment principal × expected rate of return × storage days) ÷365. For example, a wealth management product has a wealth management storage period of 62 days, with an expected annualized income of 3.96% and a principal of 100000. Income = (100000× 0.0396× 62) ÷ 365 = 672.66 yuan. The general principal and income will be returned to the customer's account within 3 working days after the financial management expires.

2. There are many kinds of bank wealth management products, and the income of different bank wealth management products is different. In the financial investment model of banks, banks only accept the funds entrusted by customers, and the investment income and risks are borne by both customers or customers and banks in an agreed way. The calculation methods of financial products of banks are different. The interest calculation method of bank wealth management products: the calculation of bank wealth management income is the same as the calculation of interest: income = principal × yield × time. The rate of return is the annual income, and the time is generally days; Convert to annual calculation. Interest of bank wealth management products = principal of wealth management products * annual interest rate of products /365 days * specific days.

3. Types of bank wealth management products: Generally speaking, bank wealth management products are divided into fixed income products and floating income products. Fixed income products: refers to the fixed income of wealth management products at maturity, and the interest after maturity can be calculated at the time of purchase. Floating income products: refers to the floating principal of wealth management products. When buying a product, I don't know what the income will be after maturity, and the principal may not be recovered, which may lead to losses. Traditional products mainly include funds, bonds and financial securities. This kind of product has low risk and a certain income, and the general income is about 3%. The wealth management products issued by banks can only be purchased in foreign currencies, such as US dollars, French francs and British pounds.