Www.eay - May 18, 2019 · The effective annual yield is as follows: EAY = (1 + 8%) (365/211) − 1 = 14.24%. Effective annual yield is the effective rate of return because it accommodates the interest-on-interest that results in a compound interest. EAY calculated above is higher than simple annualization of holding period return which equals 13.83% (=8%×365/221)

 
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