Are index mutual fund returns monthly or yearly?

I'm new at this so bare with me. Hypothetically speaking, say I had $1,000 in a index mutual fund, and it has a return of say 10% per year. Now 10% of $1,000 is $100, is that paid or gained yearly or do I get 10% monthly? If it's yearly $100 a year is pretty silly!? Thank you in advance!

Whenever you purchase a stock/mutual fund/ETF, you will typically not see any returns until you sell your investment. Any gains up until you sell your investment are called "unrealized gains/losses."

Typically, returns are quoted annually. Although a $100 annually (10%) return may sound a little silly, it is still better than the return you are getting on your money when it is sitting in a bank. Don't forget about compound interest as well. Just keep putting money into your investments and you could have a lot of money in just a short period of time.

It's a 10% return per year. There is no payment to you other than a dividend or capital gain that occurs within the fund. If you want income, you should look for an income fund, or growth and income fund. Those payouts are usually monthly or quarterly. You won't find any kind of investment that pays 10% per month.

Mutual fund is different from CD.

You don't get payouts other that dividends. Index funds normally don't pay distributions either.

You would only realize you gain when you sell. However you would subject to taxes then.

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