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kevinzhu · 2020年03月16日

问一道题:NO.PZ2018062016000010

问题如下:

Mary has a separate account for her annual savings which has a stated annual rate of 3% and compounding quarterly. At the end of each year, she transfers unequal cash flows into this account. Year 1: $500, Year 2: $800, Year 4: $300, Year 5: $500. How much will Mary save for her account at the end of year 5?

选项:

A.

$2246.81

B.

$2247.65

C.

$2281.00

解释:

B is correct.

计算器:CF0=0,CF1=500,CF2=800,CF3=0,CF4=300,CF5=500,F01到F05都是1,I=3/4=0.75

求出的NPV=2057?

1 个答案

星星_品职助教 · 2020年03月17日

同学你好,

不能用年现金流混合季度利息进行计算。如果用了每年的现金流,就需要转化为EAR进行计算

kevinzhu · 2020年03月17日

那看到题目的时候如何区分?

星星_品职助教 · 2020年03月17日

看题干里的信息就可以,例如这道题,利率的描述是a stated annual rate of 3% and compounding quarterly,现金流的描述是At the end of each year, she transfers unequal cash flows。

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