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kevinzhu · 2020年03月13日

问一道题：NO.PZ2017092702000006 [ CFA I ]

  1. CFA I
  2. Quantitative

问题如下：

For a lump sum investment of ¥250,000 invested at a stated annual rate of 3% compounded daily, the number of months needed to grow the sum to ¥1,000,000 is closest to:

选项：

A.

555.

B.

563.

C.

576.

解释：

A is correct.

The effective annual rate (EAR) is calculated as follows:

EAR = (1 + Periodic interest rate)m – 1   EAR = (1 + 0.03/365)365 – 1   EAR= (1.03045) – 1 = 0.030453 ≈ 3.0453%. Solving for N on a financial calculator results in (where FV is future value and PV is present value): (1 + 0,030453)N = FVN/PV = ¥1,000,000/¥250,000）So,N = 46.21 years, which multiplied by 12 to convert to months results in 554.5, or ≈ 555 months.

​(1 + 0,030453)N = FVN/PV =¥1,000,000/¥250,000 用计算器怎么N?

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1 个答案

星星_品职助教 · 2020年03月13日

同学你好，

你列式的是计算N的公式。不用从公式角度出发，正常按计算器输入PV，FV，PMT，I/Y，CPT N即可。

Cody · 2020年03月24日

麻烦老师详细解释一下怎么用计算机算谢谢🙏

星星_品职助教 · 2020年03月24日

PV=-250,000; FV=1,000,000; PMT=0; I/Y=3.0453. CPT N=46.21(年)，其中I/Y对应的是转化以后的EAR。这种问题最好自己尝试着算一遍效果会比较好，如果算不对可以再提问

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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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