Helen 🎈 · 2022年10月27日
NO.PZ2018062016000010
问题如下：
Mary has a separate account for her annual savings which has a stated annual rate of 3% and compounding quarterly. At the end of each year, she transfers unequal cash flows into this account. Year 1: $500, Year 2: $800, Year 3: $0, Year 4: $300, Year 5: $500. How much will Mary save for her account at the end of year 5?
选项：
A.
$2246.81
B.
$2247.65
C.
$2281.00
解释：
B is correct.
老师你好，我始终get不到时间问题，看到答案能反应过来但也不是太清晰。为啥不是5年而且4开始。谢谢您
星星_品职助教 · 2022年10月27日
同学你好，
根据题干，每笔现金流都是在年末产生的（“At the end of each year,she transfers unequal cash flows into this account”）。
所以，Year 1的$500现金流是在第一年末产生的，到“at the end of year 5”时，对应的期限是4年，也就是16个季度。
同理，第二笔现金流Year 2: $800到第五年末就是3年（12个季度）。以此类推。
最后一笔现金流Year 5: $500就是在第五年末产生的，算终值的时候直接加上就可以，不需要再往后复利了。
------
如果Year 1的$500现金流是在第一年初也就是0时点产生的，此时到5时点才是5年（20个季度）
NO.PZ2018062016000010 问题如下 Mary ha separate account for her annusavings whiha stateannurate of 3% ancompounng quarterly. the enof eayear, she transfers unequcash flows into this account. Ye1: $500, Ye2: $800, Ye3: $0, Ye4: $300, Ye5: $500. How muwill Mary save for her account the enof ye5? A.$2246.81 B.$2247.65 C.$2281.00 B is correct. 用CF计算是不是先求EAR，然后输入每期现金流，输入I/Y，然后cpt NFV
NO.PZ2018062016000010问题如下 Mary ha separate account for her annusavings whiha stateannurate of 3% ancompounng quarterly. the enof eayear, she transfers unequcash flows into this account. Ye1: $500, Ye2: $800, Ye3: $0, Ye4: $300, Ye5: $500. How muwill Mary save for her account the enof ye5? A.$2246.81B.$2247.65C.$2281.00B is correct.请问这个题的计算流程是什么样的，没有理解。要先算什么再算什么？
NO.PZ2018062016000010问题如下 Mary ha separate account for her annusavings whiha stateannurate of 3% ancompounng quarterly. the enof eayear, she transfers unequcash flows into this account. Ye1: $500, Ye2: $800, Ye3: $0, Ye4: $300, Ye5: $500. How muwill Mary save for her account the enof ye5? A.$2246.81B.$2247.65C.$2281.00B is correct.本题的答案是每一年单独计算 最后加上总额，我想问一下为什么不是第一年算出来的金额 加上第二年又存进去的的钱作为第二年的本金，以此类推到第五年
NO.PZ2018062016000010 问题如下 Mary ha separate account for her annusavings whiha stateannurate of 3% ancompounng quarterly. the enof eayear, she transfers unequcash flows into this account. Ye1: $500, Ye2: $800, Ye3: $0, Ye4: $300, Ye5: $500. How muwill Mary save for her account the enof ye5? A.$2246.81 B.$2247.65 C.$2281.00 B is correct. 这道题可不可以用N,IY,PV,PMT,FV这五个一年一年的算呢
NO.PZ2018062016000010问题如下 Mary ha separate account for her annusavings whiha stateannurate of 3% ancompounng quarterly. the enof eayear, she transfers unequcash flows into this account. Ye1: $500, Ye2: $800, Ye3: $0, Ye4: $300, Ye5: $500. How muwill Mary save for her account the enof ye5? A.$2246.81B.$2247.65C.$2281.00B is correct.EAR=3.034% 可以直接视作NPV键里的I（折现率）嘛？怎么感觉哪里怪怪的？
