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