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Lee13 · 2023年02月14日

No.PZ2018062016000019 (选择题) 来源: 品职出题 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?

  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

您好，可否解释一下Account 1的计算方法？按照我的理解，我会想列这个式子：750*（1+3%/4）的12次方，请问是哪里有错误吗？谢谢！

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1 个答案

星星_品职助教 · 2023年02月15日

同学你好， 1.每年年末都会有750的利息入账，三年一共是三个750。每个都需要做复利。不能只管第一个。 2.第一笔750是第一年年末入账的，到第三年末只需要复利两年，也就是八次方。

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