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安在 · 2022年08月22日

题目没读懂

NO.PZ2017092702000017

问题如下:

Given a stated annual interest rate of 6% compounded quarterly, the level amount that, deposited quarterly, will grow to £25,000 at the end of 10 years is closest to:

选项:

A.

£461.

B.

£474.

C.

£836.

解释:

A is correct.

To solve for an annuity (A) payment, when the future value (FV), interest rate, and number of periods is known, use the following equation:

lFV=A[(1+rsm)mN1rm]25,000=A[(1+0.064)4×1010.064]{l}FV=A{\lbrack\frac{{(1+\frac{r_s}m)}^{mN}-1}{\frac rm}\rbrack}\\25,000=A{\lbrack\frac{{(1+\frac{0.06}4)}^{4\times10}-1}{\frac{0.06}4}\rbrack}

A=460.68

计算器按法:

6%/4=1.5%。所以I/Y=1.5,N=10*4=40,FV=25000,PV=0,CPT PMT=-460.6775.


首先我理解的题目意思是:6%年化,1年4次复利,得到EAR,然后在这个EAR水平下也进行每年复利4次,10年后得到25000刀,问每年存入多少钱

安在 · 2022年08月22日

所以我的做法是: (1)1+EAR=(1+6%/4)^4 得EAR=0.061364 (2)N=40 FV=25000 PV=0 I/Y=EAR/4=0.015341 得PMT=-623.132275

1 个答案

星星_品职助教 · 2022年08月23日

同学你好,

题目理解没问题。

EAR已是有效利率,不需要再除以4。应该除以4的是stated annual interest rate of 6%。

本题直接用期间利率1.5%计算即可,没必要再转化一步EAR。正确的计算器按键为: I/Y=6/4=1.5,N=10×4=40, FV=25000, PV=0,CPT PMT= -460.6775


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NO.PZ2017092702000017问题如下Given a stateannuinterest rate of 6% compounquarterly, the level amount that, positequarterly, will grow to £25,000 the enof 10 years is closest to:A.£461.B.£474.C.£836. A is correct. To solve for annuity (payment, when the future value (FV), interest rate, annumber of perio is known, use the following equation:lFV=A[(1+rsm)mN−1rm]25,000=A[(1+0.064)4×10−10.064]{l}FV=A{\lbrack\frac{{(1+\frac{r_s}m)}^{mN}-1}{\frrm}\rbrack}\\25,000=A{\lbrack\frac{{(1+\frac{0.06}4)}^{4\times10}-1}{\frac{0.06}4}\rbrack}lFV=A[mr​(1+mrs​​)mN−1​]25,000=A[40.06​(1+40.06​)4×10−1​]A=460.68计算器按法6%/4=1.5%。所以I/Y=1.5,N=10*4=40,FV=25000,PV=0,CPT PMT=-460.6775. 为什么I/Y用的不是EAR/4?

2023-07-20 19:25 1 · 回答

NO.PZ2017092702000017问题如下 Given a stateannuinterest rate of 6% compounquarterly, the level amount that, positequarterly, will grow to £25,000 the enof 10 years is closest to:A.£461.B.£474.C.£836. A is correct. To solve for annuity (payment, when the future value (FV), interest rate, annumber of perio is known, use the following equation:lFV=A[(1+rsm)mN−1rm]25,000=A[(1+0.064)4×10−10.064]{l}FV=A{\lbrack\frac{{(1+\frac{r_s}m)}^{mN}-1}{\frrm}\rbrack}\\25,000=A{\lbrack\frac{{(1+\frac{0.06}4)}^{4\times10}-1}{\frac{0.06}4}\rbrack}lFV=A[mr​(1+mrs​​)mN−1​]25,000=A[40.06​(1+40.06​)4×10−1​]A=460.68计算器按法6%/4=1.5%。所以I/Y=1.5,N=10*4=40,FV=25000,PV=0,CPT PMT=-460.6775. 题目从哪里可以看出要求的是PMT

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2022-05-08 17:48 1 · 回答

NO.PZ2017092702000017 从那句话可以推断出这道题目的PV是0呢?

2021-11-16 20:38 1 · 回答