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