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朱明远 · 2019年10月30日

问一道题:NO.PZ2018062016000017

问题如下:

Bella set a new account for her worldwide-traveling plan. She plans to fund about $100,000 in five years and deposit cash in this account every month. Assume the stated annual rate is 3% and compounded monthly, the amount that Bella has to put into the account each month is:

选项:

A.

$1,547

B.

$1,570

C.

$1,670

解释:

A is correct. Input the following data in the calculator at END mode: N=5*12=60, I/Y=3/12, FV=100,000, PV=0, then PMT=-1,547. Therefore, the monthly deposit for Bella is $1547.

这道题的3%是年利率吧?为什么只要3/12就可以了?而不是要求3%的EAR?

1 个答案
已采纳答案

星星_品职助教 · 2019年10月30日

同学你好,

这道题是求每个月要存多少钱。所以相当于每一期是一个月,要求的是月度的PMT,对应的也是月度利率。所以从月度视角来看,相当于每个月的利率就是3%/12,一共是12*5=60个月。就没必要再去转化为求EAR(“年”实际收益率)了。加油。

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