{
  "as_of": "2026-10-07",
  "common_end": "2026-09-28",
  "formula": "(1 + dividend-reinvested total return)^(365 / actual calendar days) - 1",
  "note": "Public same-share history only. No returns extrapolated for unavailable histories. Daily operating costs in NAV; personal transaction costs excluded.",
  "products": {
    "006491": {
      "fund": {
        "code": "006491",
        "name": "南方中债1-3年国开行债券指数A"
      },
      "method": {
        "official_endpoint": "https://www.nffund.com/nfwebApi/fund/earningsMovements",
        "http_method": "POST",
        "return_field": "data.thisfundlist[-1].upratio",
        "return_methodology": "南方基金产品页说明：收益走势图按分红再投资复权净值计算。",
        "annualization_formula": "(1 + total_return)^(365 / actual_calendar_days) - 1",
        "rounding_note": "Official API upratio is rounded to 0.01 percentage point; annualized figures inherit that rounding."
      },
      "rows": [
        {
          "window": "3个月",
          "target_start": "2026-06-29",
          "actual_start": "2026-06-29",
          "end": "2026-09-28",
          "calendar_days": 91,
          "official_reinvested_total_return_pct": 0.5012564545714637,
          "geometric_annualized_pct": 2.0257574468740325,
          "exact_inputs": {
            "start_unit_nav": 1.0196,
            "ex_dividend_date": "2026-09-15",
            "ex_dividend_unit_nav": 1.0175,
            "dividend_per_share": 0.005,
            "end_unit_nav": 1.0197
          }
        },
        {
          "window": "6个月",
          "target_start": "2026-03-28",
          "actual_start": "2026-03-27",
          "end": "2026-09-28",
          "calendar_days": 185,
          "official_reinvested_total_return_pct": 1.26,
          "geometric_annualized_pct": 2.5011823985458426
        },
        {
          "window": "12个月",
          "target_start": "2025-09-28",
          "actual_start": "2025-09-26",
          "end": "2026-09-28",
          "calendar_days": 367,
          "official_reinvested_total_return_pct": 2.35,
          "geometric_annualized_pct": 2.337044968694424
        },
        {
          "window": "2年",
          "target_start": "2024-09-28",
          "actual_start": "2024-09-27",
          "end": "2026-09-28",
          "calendar_days": 731,
          "official_reinvested_total_return_pct": 4.54,
          "geometric_annualized_pct": 2.241699236014316
        },
        {
          "window": "3年",
          "target_start": "2023-09-28",
          "actual_start": "2023-09-28",
          "end": "2026-09-28",
          "calendar_days": 1096,
          "official_reinvested_total_return_pct": 8.25,
          "geometric_annualized_pct": 2.675185834604399
        }
      ]
    },
    "11305GH": {
      "product_code": "11305GH",
      "product_name": "招银理财招睿鑫鼎14天持有期5号固定收益类理财计划",
      "official_source": {
        "endpoint": "https://papi.icbc.com.cn/finance/deposit/consignment/getNetValueList",
        "method": "POST",
        "request_pages": [
          {
            "prodId": "11305GH",
            "saleTarget": "7",
            "pageIndex": 1,
            "pageSize": 200
          },
          {
            "prodId": "11305GH",
            "saleTarget": "7",
            "pageIndex": 2,
            "pageSize": 200
          }
        ]
      },
      "history": {
        "api_total": 269,
        "deduplicated_count": 269,
        "earliest_published_nav_date": "2025-08-20",
        "earliest_published_unit_nav": "1.000000",
        "latest_published_nav_date": "2026-09-28",
        "product_establishment_date_from_2026_h1_report": "2025-08-26",
        "all_rows_unit_nav_equals_cumulative_nav": true,
        "distribution_treatment": "No distribution is visible in the complete API history: unit NAV equals cumulative NAV on all 269 rows. Therefore total return equals unit-NAV return for these windows; no cumulative-NAV ratio was used as a reinvestment proxy."
      },
      "common_end_date": "2026-09-28",
      "formula_note": "Uses the simple annualization convention disclosed in the product 2026 H1 report: ((ending cumulative NAV - starting cumulative NAV) / starting unit NAV) × 365 / actual days. Because there was no distribution, this equals (ending unit NAV / starting unit NAV - 1) × 365 / actual days.",
      "results": [
        {
          "window": "3个月",
          "requested_start": "2026-06-29",
          "actual_start": "2026-06-29",
          "start_unit_nav": "1.026500",
          "start_cumulative_nav": "1.026500",
          "end": "2026-09-28",
          "end_unit_nav": "1.030400",
          "end_cumulative_nav": "1.030400",
          "actual_days": 91,
          "holding_period_total_return_pct": "0.3799",
          "annualized_return_pct": "1.5239",
          "annualization": "simple: holding-period total return × 365 / actual calendar days",
          "geometric_annualized_pct": 1.532641020071357
        },
        {
          "window": "6个月",
          "requested_start": "2026-03-28",
          "actual_start": "2026-03-27",
          "start_unit_nav": "1.015900",
          "start_cumulative_nav": "1.015900",
          "end": "2026-09-28",
          "end_unit_nav": "1.030400",
          "end_cumulative_nav": "1.030400",
          "actual_days": 185,
          "holding_period_total_return_pct": "1.4273",
          "annualized_return_pct": "2.8160",
          "annualization": "simple: holding-period total return × 365 / actual calendar days",
          "geometric_annualized_pct": 2.835586903103704
        },
        {
          "window": "12个月",
          "requested_start": "2025-09-28",
          "actual_start": "2025-09-26",
          "start_unit_nav": "1.005900",
          "start_cumulative_nav": "1.005900",
          "end": "2026-09-28",
          "end_unit_nav": "1.030400",
          "end_cumulative_nav": "1.030400",
          "actual_days": 367,
          "holding_period_total_return_pct": "2.4356",
          "annualized_return_pct": "2.4224",
          "annualization": "simple: holding-period total return × 365 / actual calendar days",
          "geometric_annualized_pct": 2.422197131986392
        },
        {
          "window": "2年",
          "requested_start": "2024-09-28",
          "status": "history_unavailable",
          "annualized_return_pct": null
        },
        {
          "window": "3年",
          "requested_start": "2023-09-28",
          "status": "history_unavailable",
          "annualized_return_pct": null
        }
      ],
      "comparison_formula": "(end/start)^(365/actual_days)-1; uniform geometric convention, not product-specific simple annualization"
    },
    "J11241A": {
      "request": {
        "prodId": "J11241A",
        "saleTarget": "7",
        "pageIndex": 1,
        "pageSize": 300
      },
      "endpoint": "https://papi.icbc.com.cn/finance/deposit/consignment/getNetValueList",
      "total": 200,
      "pages": 1,
      "firstPublishedDate": "2025-12-04",
      "allUnitEqualsCumulative": true,
      "returns": [
        {
          "window": "3m",
          "target": "2026-06-29",
          "start": "2026-06-29",
          "end": "2026-09-28",
          "days": 91,
          "startValue": "1.013593",
          "endValue": "1.017603",
          "cumulativePct": 0.395622305994614,
          "annualizedPct": 1.5963131254386864
        },
        {
          "window": "6m",
          "target": "2026-03-28",
          "start": "2026-03-27",
          "end": "2026-09-28",
          "days": 185,
          "startValue": "1.005833",
          "endValue": "1.017603",
          "cumulativePct": 1.1701743728829817,
          "annualizedPct": 2.321863986826078
        },
        {
          "window": "12m",
          "target": "2025-09-28",
          "status": "insufficient published same-share history"
        },
        {
          "window": "2y",
          "target": "2024-09-28",
          "status": "insufficient published same-share history"
        },
        {
          "window": "3y",
          "target": "2023-09-28",
          "status": "insufficient published same-share history"
        }
      ]
    },
    "AF59659B": {
      "name": "信银安盈象固收稳健一个月持有期66号",
      "api_total": 201,
      "earliest": "2025-12-10",
      "earliest_value": 1.0093,
      "latest": "2026-09-29",
      "latest_value": 1.0365,
      "end_date": "2026-09-28",
      "end_value": 1.0366,
      "windows": {
        "3个月": {
          "status": "可计算",
          "target_start": "2026-06-29",
          "actual_start": "2026-06-29",
          "start_value": 1.0306,
          "actual_end": "2026-09-28",
          "end_value": 1.0366,
          "actual_days": 91,
          "cumulative_return": 0.005821851348728924,
          "compound_annualized_return": 0.023556851071981466
        },
        "6个月": {
          "status": "可计算",
          "target_start": "2026-03-28",
          "actual_start": "2026-03-27",
          "start_value": 1.0205,
          "actual_end": "2026-09-28",
          "end_value": 1.0366,
          "actual_days": 185,
          "cumulative_return": 0.01577658010779026,
          "compound_annualized_return": 0.03136563316583474
        },
        "12个月": {
          "status": "历史不足",
          "target_start": "2025-09-28",
          "reason": "该份额官方序列最早仅到2025-12-10"
        },
        "2年": {
          "status": "历史不足",
          "target_start": "2024-09-28",
          "reason": "该份额官方序列最早仅到2025-12-10"
        },
        "3年": {
          "status": "历史不足",
          "target_start": "2023-09-28",
          "reason": "该份额官方序列最早仅到2025-12-10"
        }
      }
    },
    "AF53042B": {
      "name": "信银安盈象固收稳健日开78号",
      "api_total": 141,
      "earliest": "2026-03-11",
      "earliest_value": 1.0027,
      "latest": "2026-09-29",
      "latest_value": 1.0177,
      "end_date": "2026-09-28",
      "end_value": 1.0176,
      "windows": {
        "3个月": {
          "status": "可计算",
          "target_start": "2026-06-29",
          "actual_start": "2026-06-29",
          "start_value": 1.014,
          "actual_end": "2026-09-28",
          "end_value": 1.0176,
          "actual_days": 91,
          "cumulative_return": 0.0035502958579882726,
          "compound_annualized_return": 0.014316492131475567
        },
        "6个月": {
          "status": "可计算",
          "target_start": "2026-03-28",
          "actual_start": "2026-03-27",
          "start_value": 1.0037,
          "actual_end": "2026-09-28",
          "end_value": 1.0176,
          "actual_days": 185,
          "cumulative_return": 0.0138487595895187,
          "compound_annualized_return": 0.027507288487689907
        },
        "12个月": {
          "status": "历史不足",
          "target_start": "2025-09-28",
          "reason": "该份额官方序列最早仅到2026-03-11"
        },
        "2年": {
          "status": "历史不足",
          "target_start": "2024-09-28",
          "reason": "该份额官方序列最早仅到2026-03-11"
        },
        "3年": {
          "status": "历史不足",
          "target_start": "2023-09-28",
          "reason": "该份额官方序列最早仅到2026-03-11"
        }
      }
    }
  }
}