Can someone teach me how returns are calculated for Philip unit trust rsp (Annualised return: 2.76%)?

So you've invested 11 months. Started with 5.6k and added 2.2k over the period?

That's 5.589% p.a yield.
Present Value: 5600

Payment: 200

Future Value: 8145.61

Periods: 11 Months

Annual Rate %: 5.589

Look at the net gain or loss versus the amount you contributed.

In this case, there is a gain of $345.61 over the contributed amount of $7,800. Returns is about 4.43% since October 2018. Not exactly fantastic since unit trusts do have a lot of fees involved... Do take note that fees are payable regardless of fund performance