def calculate_annualized_return(initial_investment, final_value, investment_period):
    """
    計算年化報酬率的函數。
    
    :param initial_investment: 初始投資金額
    :param final_value: 投資終值
    :param investment_period: 投資期限（年）
    :return: 年化報酬率
    """
    annualized_return = ((final_value / initial_investment) ** (1 / investment_period)) - 1
    return annualized_return

# 使用函數計算年化報酬率
initial_investment = 1000000  # 初始投資金額
final_value = 1200000         # 投資終值
investment_period = 2         # 投資期限（年）

# 輸出結果
annualized_return_rate = calculate_annualized_return(initial_investment, final_value, investment_period)
print(f"年化報酬率: {annualized_return_rate:.4f} 或 {annualized_return_rate * 100:.2f}%")