开发者:上海品职教育科技有限公司 隐私政策详情

应用版本:4.2.11(IOS)|3.2.5(安卓)APP下载

Seabiscuit · 2020年08月16日

问一道题:NO.PZ2018062016000019 [ CFA I ]

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

leave all money in account 2的意思不是说把每年的pmt=750也放在account 2里吗?那是不是应该pv=-30000,pmt=750,n=3,i/y=2.5,然后求fv

1 个答案

星星_品职助教 · 2020年08月16日

同学你好,

leave all money in account 2的意思如果不把利息拿走,只是正常按照compounded annually with annual interest rate of 2.5%的方式投资的话,3年后account 2里会有多少钱。

这个时候不存在PMT的概念,因为750这个时候直接利滚利的在account 2里投资了,不存在往外拿走利息这个步骤了。也就是PMT=0。但如果按照你那个按键方式,实质还是每年把利息750拿出account 2,这就不是“Leave all the money in Account 2”的含义了。

正确按键应为: PV=-30,000,PMT=0,N=3,I/Y=2.5,CPT FV=32,306.72。这个的含义就是一开始有30,000,按照2.5%的利率复利投资利滚利的滚三年,能拿到多少钱。是一个简单直白的已知PV求FV的single cash flow 问题。

所以如果leave all money in account 2就可以得到32,306.72这么多钱,然后再和原始的那种方案比较,算出一个差值即可。

 

  • 1

    回答
  • 0

    关注
  • 462

    浏览
相关问题

NO.PZ2018062016000019问题如下Clark opens two bank accounts. Account 1 is compounquarterly with stateannurate of 3%, while Account 2 is compounannually with annuinterest rate of 2.5%. Clark put the principof $30,000 to Account 2 anannuinterest to Account 1 long he receive After three years, whis the fferenbetween Clark’s current wealth planning anleaving all the money in Account 2?A.$13.50B.$12.24C.$16.12B is correct.Annuinterest receivefrom 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=$32306.71The fferenis $32318.95-$32306.71=12.24我想得比较复杂,本金在账户2里面不需要按照2.5%复利吗

2023-05-29 00:32 1 · 回答

NO.PZ2018062016000019 问题如下 Clark opens two bank accounts. Account 1 is compounquarterly with stateannurate of 3%, while Account 2 is compounannually with annuinterest rate of 2.5%. Clark put the principof $30,000 to Account 2 anannuinterest to Account 1 long he receive After three years, whis the fferenbetween Clark’s current wealth planning anleaving all the money in Account 2? A.$13.50 B.$12.24 C.$16.12 B is correct.Annuinterest receivefrom 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=$32306.71The fferenis $32318.95-$32306.71=12.24 有点读不懂题,她到底对1和2干了啥呀?Clark put the principof $30,000 to Account 2 anannuinterest to Account 1 long he receive 这句话怎么理解呢?谢谢老师!

2023-05-24 16:05 2 · 回答

NO.PZ2018062016000019 问题如下 Clark opens two bank accounts. Account 1 is compounquarterly with stateannurate of 3%, while Account 2 is compounannually with annuinterest rate of 2.5%. Clark put the principof $30,000 to Account 2 anannuinterest to Account 1 long he receive After three years, whis the fferenbetween Clark’s current wealth planning anleaving all the money in Account 2? A.$13.50 B.$12.24 C.$16.12 B is correct.Annuinterest receivefrom 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=$32306.71The fferenis $32318.95-$32306.71=12.24 一笔利息750*(1+3%/4)的4次方=772.75,第二笔(750+772.75)*(1+3%/4)的4次方=1534.170625,第三笔750。

2023-03-11 22:44 1 · 回答

NO.PZ2018062016000019 问题如下 Clark opens two bank accounts. Account 1 is compounquarterly with stateannurate of 3%, while Account 2 is compounannually with annuinterest rate of 2.5%. Clark put the principof $30,000 to Account 2 anannuinterest to Account 1 long he receive After three years, whis the fferenbetween Clark’s current wealth planning anleaving all the money in Account 2? A.$13.50 B.$12.24 C.$16.12 B is correct.Annuinterest receivefrom 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=$32306.71The fferenis $32318.95-$32306.71=12.24 为什么不能用,pmt=-750,pv=0,n=12,I/Y=0.75 算 account 1 的FV

2023-03-06 22:14 3 · 回答

NO.PZ2018062016000019 问题如下 Clark opens two bank accounts. Account 1 is compounquarterly with stateannurate of 3%, while Account 2 is compounannually with annuinterest rate of 2.5%. Clark put the principof $30,000 to Account 2 anannuinterest to Account 1 long he receive After three years, whis the fferenbetween Clark’s current wealth planning anleaving all the money in Account 2? A.$13.50 B.$12.24 C.$16.12 B is correct.Annuinterest receivefrom 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=$32306.71The fferenis $32318.95-$32306.71=12.24 您好,可否一下Account 1的计算方法?按照我的理解,我会想列这个式子750*(1+3%/4)的12次方,请问是哪里有错误吗?谢谢!

2023-02-14 22:30 1 · 回答