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vee · 2022年11月28日

我用终值和现值公式也可以算吗

  1. CFA I
  2. Quantitative

NO.PZ2018062016000006

问题如下：

Lucy believes that after retirement she will need about $2 million totally for her daily expenses. At present, she has $1million investment at a stated annual interest rate of 2.5%. Assuming compounded daily, how long does it take for Lucy to have enough money for retirement life?

选项：

A.

27.73 years

B.

28.07 years

C.

26.48 years

解释：

A is correct.

EAR=(1+0.025/365)365-1=0.02531

$1million*(1+0.02531)N =$2million, N=27.73 years.

我把利率2.5除以365带入算出N然后N除以365得到了27.72，这个方法跟EAR区别在哪里呢，我怎么感觉我这个更好理解一些

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星星_品职助教 · 2022年11月29日

同学你好，

EAR方法是先把名义报价利率改成年利率，然后用年利率直接算出年数。

提问中的方法是用日利率算出天数，然后把天数转化成年数。

两种方法只是转化的顺序不同，结果是一致的。

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