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Ycho · 2023年04月06日

为什么指数不是(n*365)呢?因为复利的次数是n年*365天。

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.

为什么指数不是(n*365),因为复利的次数是n年*365天。

1 个答案

星星_品职助教 · 2023年04月06日

同学你好,

答案解析中计算的是EAR,即一年的利率。所以相当于在一年的时间段内基于日利率复利了365次。此时不用再乘以n。

如果要计算的是复利了n年的情况,则相当于日利率复利了365*n这么多次,此时才需要乘以n。

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