Updated.
That gives you a current value of $12314.3 with an annual return rate of 5.34% .... if you are on 0% income tax.
If you are paying 30% income tax that picture changes.
Total return : 8800 + 2460 = 11260
( 11260 / 10000 ^ ( 1 / 4 ) ) -1 = 0.0301
3% pa.
What else do you find "ridiculous" ?
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Updated.That gives you a current value of $12314.3 with an...
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