If we buy a stock that goes 10% up in one day and -3% in the next. Total will be calculated as:

( 1 + .10) x ( 1 - 0.3) - 1 = 1.1 x 0.97 - 1 = 6.70%

1 + R format

How to compare Annualise returns

If 1% return over month. Total return would be annualised ?

(pow((1 + 0.01), 12) -1) = 12.68%