The investment rate is telling you how much money you're really making on an annualized basis, so it's very simple.

投资收益率反映了基于一年来看,你实际赚了多少钱,非常简单

耶鲁公开课 - 金融市场课程节选

So, that is not--your return is actually higher than 2.51% on an annualized basis.

所以,你的实际年收益率,应该高于2.51%

耶鲁公开课 - 金融市场课程节选