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🐚 · 2022年10月06日

为什么pmt=0

  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.

老师可以解释一下为什么pmt等于0吗？

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1 个答案

星星_品职助教 · 2022年10月06日

同学你好，

题干中并未提及有定期支付的现金流。即¥250,000单纯靠复利效应涨到¥1,000,000，中间没有其他投入。

这种情况统一按照PMT=0来处理。

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