Dad has 100,000 yuan. There are two financial management methods. One is to buy a one-year financial product from the bank, with an annual rate of return of 4% (note: the interest of the previous year is included in the principal of the next year). The second is to buy 3-year national value, with an annual interest rate of 4.5%. 3Which financial management method will have greater returns after three years? How much?
爸爸有10万元钱，现有两种理财方式，一种是买银行的1年期理财产品，年收益率为4%(注：前一年的利息计入后一年的本金)一种是买3年期国值，年利率为4.5%．3三年后哪种理财方式的收益更大？多多少钱？
<gadget id="calculator">4.5 / 100</gadget>
<output>0.045</output>

<gadget id="calculator">100_000 * 0.045 * 3</gadget>
<output>13_500</output>

<gadget id="calculator">4 / 100</gadget>
<output>1/25 = around 0.04</output>

<gadget id="calculator">100_000 * (1/25) * 1</gadget>
<output>4_000</output>

<gadget id="calculator">100_000 + 4_000</gadget>
<output>104_000</output>

<gadget id="calculator">104_000 * (1/25) * 1</gadget>
<output>4_160</output>

<gadget id="calculator">100_000 + 4_000 + 4_160</gadget>
<output>108_160</output>

<gadget id="calculator">108_160 * (1/25) * 1</gadget>
<output>21_632/5 = around 4_326.4</output>

<gadget id="calculator">4_000 + 4_160 + (21_632/5)</gadget>
<output>62_432/5 = around 12_486.4</output>

<gadget id="calculator">13_500 - (62_432/5)</gadget>
<output>5_068/5 = around 1_013.6</output>

<result>5_068/5 = around 1_013.6</result>