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Emily2329 · 2023年06月02日

这题为什么不能用计算器第三行知4求1呢？

  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.

同题目，这题我代入FV=2, PV=-1,I/Y=2.5,PMT=0，最后算出来的就是28.07，请问这个思路为什么错了呢？

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已采纳答案

星星_品职助教 · 2023年06月02日

同学你好，

2.5%是stated annual interest rate，这说明2.5%只是名义上的报价利率，不能直接使用，需要除以计息频率后转化为实际利率。

有两种转化方式：

①由于选项中给的都是多少“年”，所以可以先把I/Y也转化成“年”的形式

EAR=(1+0.025/365)^365-1=0.02531，即I/Y=2.531

PV=-1，PMT=0，FV=2，I/Y=2.531，CPT N=27.7268直接得到答案A。

②也可以把期限设置成天来计算，然后再转化到年。

PV=-1，FV=2，PMT=0，I/Y=2.5/365=0.006849，CPT N=10,120.295（天），此处I/Y的四舍五入可能会造成结果的细微差别。

转化成年就是10,120.295/365=27.7268（年）。

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