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年利率(APR)与年化收益率(APY):哪个实际上能让你赚更多钱?

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摘要生成中

If you’ve ever scrolled through crypto staking yields or compared savings accounts, you’ve probably seen these two acronyms thrown around like they’re the same thing. Spoiler: they’re not. And that difference could cost you real money.

APR: The Simple Lie

APR (Annual Percentage Rate) sounds fancy, but it’s basically just interest math on your original deposit—nothing more.

How it works:

  • You deposit $1,000
  • APR is 10%
  • You earn $100 per year
  • That’s it. No magic.

APR ignores one crucial thing: compounding. It assumes your interest just sits there and never earns interest itself.

You’ll see APR on:

  • Credit card debt (the rate they charge you)
  • Mortgages
  • Personal loans

APY: The Compounding Game-Changer

APY (Annual Percentage Yield) is what actually happens in the real world. It factors in compounding—where your interest earns interest.

Same example, but with APY:

  • You deposit $1,000
  • APY is 10%
  • But interest compounds daily/monthly/quarterly
  • By year-end, you’ve earned $105.13 (or more, depending on frequency)

That extra $5.13? That’s compound interest working for you. Small difference today, massive difference over years.

Where Each Gets Used

APR (simpler, usually worse for you):

  • Credit cards
  • Loans
  • Mortgages

APY (reflects real returns):

  • Savings accounts
  • Crypto staking rewards
  • DeFi yield farming
  • Mutual funds

The Bottom Line

When comparing investments or deposits, always check APY—it’s the real number. APR is what lenders love to advertise because it sounds lower. If someone’s only quoting APR for a savings vehicle, they’re either uninformed or hoping you don’t know the difference.

Compounding might seem small, but Einstein allegedly called it the 8th wonder of the world. For good reason.

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