Purchase annualized income of 18% on Jiuxi Wealth Management Online, with a monthly purchase of 3,000 yuan and an investment of 12 months. How much interest is there a year? Don't understand!

Monthly interest =3000* 18%/ 12=45.

1 year total interest = 12*45=540

2. Deposit RMB 3,000 per month for 12 months, and deposit RMB 36,000 at one time for custody.

Monthly interest = 36000 *18%/12 = 540.

Annual interest rate =36000* 18%=6480.

Different investment bases have different returns.

Please add different opinions.