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marionking · 2020年11月05日

问一道题：NO.PZ2018062016000006

  1. CFA I
  2. Quantitative

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.

本题中的 annual interest rate of 2.5%是不是就是coupon rate，因为每日付息，所以要计算I/Y?

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1 个答案

星星_品职助教 · 2020年11月05日

同学你好，

coupon rate是债券的概念，这道题里不涉及到债券。

“ annual interest rate of 2.5%”指的是名义上的利率是2.5%，之后又提示了“compounded daily”，所以可知这个2.5%是不能直接用的，必须要要转化成真实的日利率或者有效年利率（EAR）才可以解题。

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