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Victutu · 2019年11月11日

问一道题：NO.PZ2018062016000019

  1. CFA I
  2. Quantitative

问题如下：

Clark opens two bank accounts. Account 1 is compounded quarterly with stated annual rate of 3%, while Account 2 is compounded annually with annual interest rate of 2.5%. Clark put the principal of $30,000 to Account 2 and annual interest to Account 1 as long as he received. After three years, what is the difference between Clark’s current wealth planning and leaving all the money in Account 2?

选项：

A.

$13.50

B.

$12.24

C.

$16.12

解释：

B is correct.

Annual interest received from Account 2 is $30,000*2.5%=$750.

After three years, Clark’s current wealth planning:

Leave all the money in Account 2: $30,000*(1+2.5%)3=$32306.71

The difference is $32318.95-$32306.71=12.24

这道题Account 1 的计算是否可以用计算器计算？

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1 个答案

星星_品职助教 · 2019年11月11日

同学你好，

Account 1里的现金流可以使用计算器直接计算。因为750是按年进入Account 1的，所以需要先求出对应的有效年利率，即EAR=3.0339%。这个时候就相当于了一笔每年付750，连续付三年，利率为3.0339%的年金。PV=0，PMT=750，I/Y=3.0339，N=3，CPT FV直接得到-2318.95。再加上原来的本金3w即可，加油

 

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