NO.PZ2017092702000010
问题如下:
A saver deposits the following amounts in an account paying a stated annual rate of 4%, compounded semiannually:
At the end of Year 4, the value of the account is closest to:
选项:
A.$30,432
B.$30,447
C.$31,677
解释:
B is correct.
To solve for the future value of unequal cash flows, compute the future value of each payment as of Year 4 at the semiannual rate of 2%, and then sum the individual future values, as follows:
根据上表所示,首先计算每笔存款的FV,但是需使用semiannual rate 2%,然后将FV相加求和。
老师,请问这道题我的解题思路和公式是这样的,为什么是错的?(1)4%半年计息,为什么带入EAR公式,就不是2%呢?(2)计算每笔存款的FV,代入FV=PV(1+r/m)^m,结果完全不同。是否还是公式理解不到位?
考试时间很紧张的时候,是否有快速判断用哪个计算的办法?