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Marissa · 2022年09月01日

现金流代入

  1. CFA I
  2. Quantitative

NO.PZ2017092702000006

问题如下：

For a lump sum investment of ¥250,000 invested at a stated annual rate of 3% compounded daily, the number of months needed to grow the sum to ¥1,000,000 is closest to:

选项：

A.

555.

B.

563.

C.

576.

解释：

A is correct.

The effective annual rate (EAR) is calculated as follows:

EAR = (1 + Periodic interest rate)m – 1   EAR = (1 + 0.03/365)365 – 1   EAR= (1.03045) – 1 = 0.030453 ≈ 3.0453%.

Solving for N on a financial calculator results in (where FV is future value and PV is present value):

(1 + 0,030453）N = FVN/PV = (¥1,000,000/¥250,000）So,N = 46.21 years, which multiplied by 12 to convert to months results in 554.5, or ≈ 555 months.

老师，请问这道题 IY用3/365，现金流算出N是多少天，再用N/365*12，可以吗?

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星星_品职助教 · 2022年09月01日

同学你好，

可以的，整个流程如下：

1）I/Y=3/365=0.0082， PV=-250,000，PMT=0，FV=1,000,000，CPT N=16,867.27（天）

2）将16,867.27天转化为16,867.27/365=46.21（年）

3）46.21×12=554.5≈555（月）

乐笙 · 2022年10月03日

为什么不能用16867.27/30来直接算月数呢？这样答案就是B

星星_品职助教 · 2022年10月04日

@乐笙

除以30相当于默认为每个月有30天，即一年为12*30=360天，这和前面使用的365天形成了矛盾。

所以只能先除以365转化为年，再乘以12转化为月。

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NO.PZ2017092702000006 问题如下 For a lump sum investment of ¥250,000 investea stateannurate of 3% compounily, the number of months neeto grow the sum to ¥1,000,000 is closest to: A.555. B.563. C.576. A is correct. The effective annurate (EAR) is calculatefollows: E= (1 + Perioc interest rate)m – 1   E= (1 + 0.03/365)365 – 1   EAR= (1.03045) – 1 = 0.030453 ≈ 3.0453%. Solving for N on a financicalculator results in (where FV is future value anPV is present value): (1 + 0,030453）N = FVN/PV = (¥1,000,000/¥250,000）So,N = 46.21 years, whimultiplie12 to convert to months results in 554.5, or ≈ 555 months. 这题我EAR已经算出来是3.045，带入计算器知四求一不知道为什么算出来是46.21.

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