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Maisie · 2022年08月23日

EAR转换

NO.PZ2018062016000019

问题如下:

Clark opens two bank accounts. Account 1 is compounded quarterly with stated annual rate of 3%, while Account 2 is compounded annually with annual interest rate of 2.5%. Clark put the principal of $30,000 to Account 2 and annual interest to Account 1 as long as he received. After three years, what is the difference between Clark’s current wealth planning and leaving all the money in Account 2?

选项:

A.

$13.50

B.

$12.24

C.

$16.12

解释:

B is correct.

Annual interest received from Account 2 is $30,000*2.5%=$750.

After three years, Clark’s current wealth planning:

Leave all the money in Account 2: $30,000*(1+2.5%)3=$32306.71

The difference is $32318.95-$32306.71=12.24

老师好,请问是否只在使用年金方法计算时需要将stated annual rate转换为EAR?不使用年金计算的话就可以直接用r/m呢?谢谢

1 个答案
已采纳答案

星星_品职助教 · 2022年08月24日

同学你好,

任何情况下,stated annual rate都不能直接用于计算。需要首先转化为期间利率r/m。(continuous compounding需要转化为e的r次方 -1)

如果期间利率(即r/m)可以直接用于计算,就没有必要再特意转化成EAR。

如果题目要计算的是和“年”相关的情况,此时转化为EAR往往会方便计算。

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