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徐认认xt1102 · 2019年10月20日

问一道题：NO.PZ2017092702000006 [ CFA I ]

  1. CFA I
  2. Quantitative

问题如下图：

选项：

A.

B.

C.

解释：

请问如果我直接采用250000*（1+3%/365）^（365*n)=1000000 , 求出来N的天数后再折成月数的答案为啥就不对了呢。谢谢。

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1 个答案

星星_品职助教 · 2019年10月20日

同学你好，

这道题可以先算天数，但是之后要折成年，再乘以12换算成月。

天数无法直接折算成月，因为不知道每个月的具体天数是30天还是31天亦或其他的天数。但先折算成年就没这个问题，因为复利下每年一定是365天，再折算成12个月即可。加油

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NO.PZ2017092702000006 问题如下 For a lump sum investment of ¥250,000 investea stateannurate of 3% compounily, the number of months neeto grow the sum to ¥1,000,000 is closest to: A.555. B.563. C.576. A is correct. The effective annurate (EAR) is calculatefollows: E= (1 + Perioc interest rate)m – 1   E= (1 + 0.03/365)365 – 1   EAR= (1.03045) – 1 = 0.030453 ≈ 3.0453%. Solving for N on a financicalculator results in (where FV is future value anPV is present value): (1 + 0,030453）N = FVN/PV = (¥1,000,000/¥250,000）So,N = 46.21 years, whimultiplie12 to convert to months results in 554.5, or ≈ 555 months. 这题我EAR已经算出来是3.045，带入计算器知四求一不知道为什么算出来是46.21.

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NO.PZ2017092702000006问题如下 For a lump sum investment of ¥250,000 investea stateannurate of 3% compounily, the number of months neeto grow the sum to ¥1,000,000 is closest to: A.555. B.563.C.576. A is correct. The effective annurate (EAR) is calculatefollows: E= (1 + Perioc interest rate)m – 1   E= (1 + 0.03/365)365 – 1   EAR= (1.03045) – 1 = 0.030453 ≈ 3.0453%. Solving for N on a financicalculator results in (where FV is future value anPV is present value): (1 + 0,030453）N = FVN/PV = (¥1,000,000/¥250,000）So,N = 46.21 years, whimultiplie12 to convert to months results in 554.5, or ≈ 555 months. 为什么用 FVN/PV

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