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Dorothy坤🦌 · 2020年10月12日

问一道题:NO.PZ2018062016000006

问题如下:

Lucy believes that after retirement she will need about $2 million totally for her daily expenses. At present, she has $1million investment at a stated annual interest rate of 2.5%. Assuming compounded daily, how long does it take for Lucy to have enough money for retirement life?

选项:

A.

27.73 years

B.

28.07 years

C.

26.48 years

解释:

A is correct.

EAR=(1+0.025/365)365-1=0.02531

$1million*(1+0.02531)N =$2million, N=27.73 years.

请问 EAR保留几位小数,本题答案中0.02531,将A选项带入后的得出1.99992867,并不大于2.

而实际EAR为0.025314...,若多保留一位,A选项成立。

1 个答案
已采纳答案

星星_品职助教 · 2020年10月12日

同学你好,

从正常解题的角度,这道题的解题思路不需要代入选项,没有反代选项的必要,也没有去看和2是否靠近的必要,直接了当计算即可。

PV=-1,000,000; FV=2,000,000; I/Y=2.5/365; PMT=0; CPT N=10120.29541天,再除以365天即可直接得到27.7268年,答案直接选择A。

答案解析只是一个公式的演示,不是我们正常做题的方式,不需要代入这个公式,正常做题是用计算器直接按的。

考试也不会在保留几位小数的问题上做文章的,一般一级保留两位就够,想更精确的话就保留四位。

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