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CCCJY！ · 2022年11月22日

account2为什么是每年产生固定利息750存入帐户1

  1. CFA I
  2. Quantitative

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

account2不是复利计算吗，每年的利息存进account1，那为什么是每年固定750，而不是750，768.75 769.22（按照每年复利计算）

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已采纳答案

星星_品职助教 · 2022年11月22日

同学你好，

Account 2每年产生750后，这个利息直接被拿走（拿到account 1中去复利），不会继续在account 2中产生复利效果。

即第一年的30,000产生750后，被拿走，第二年仍然是基于30,000进行复利，年末还是产生750，以此类推。

CCCJY！ · 2022年11月22日

谢谢老师！懂了！

星星_品职助教 · 2022年11月22日

@CCCJY！好的，学习加油~

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