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Mangogo · 2019年11月05日

问一道题: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.

老师好,请问我该怎么通过金融计算器按出来呢?1.0253的N次方等于2,求N。

2 个答案

zhuzhu123 · 2019年11月12日

计算器没有finance功能怎么办,m'f没法用i/y,pv和pmt,有别的计算方法吗

星星_品职助教 · 2019年11月12日

同学你好,理论上年金的问题一笔一笔的计算也是可以的。但是CFA考试必须要用金融计算器。例如算30年的年金,手算几乎就不可能了

星星_品职助教 · 2019年11月06日

同学你好,

这道题有两种方式解。如果按照答案那种思路,计算器没法直接算,只能将选项代入去试,一般会先代入中间选项。(不过这道题选项设置不大好,A,B选项相隔太近,靠考试一般间距会大一些。)

一般的做法是直接代入I/Y=2.5/365,PV=-1,PMT=0,FV=2. CPY N即可。注意这个N是一共有N期的意思,这里面一期是一天,所以计算出来的N是个天数,还要除以365.直接就是答案A。加油。

bochuan_yu · 2019年11月09日

/ 在金融计算器怎么按?

bochuan_yu · 2019年11月09日

2.5/365 怎么按

星星_品职助教 · 2019年11月09日

我应该多写一步。其实就是先算出来2.5/365,然后得到0.0068后直接再按一个I/Y~

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