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sarahjia · 2020年11月17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.

老师你好请问这题的计算器按法在计算器视频的第几分钟呢,谢谢

2 个答案
已采纳答案

星星_品职助教 · 2020年11月17日

@sarahjia

N是多少期的意思,可以自行设定。例如这道题,输入的利率和PMT是什么单位,N算出来就是什么单位。由于I/Y用的是“日”利率(2.5/365),所以N算出来也就是多少“天”。

关键是要保证PMT,N,和I/Y这三者期限的一致。例如不要用了月利率,N却用了一共有多少“年”,或者说PMT(如有)用了年度的PMT,这样的计算结果肯定就是错的了。

星星_品职助教 · 2020年11月17日

同学你好,

这题不用通过公式硬按计算器。货币时间价值的题直接用第三排五个键就可以了。

PV=-1,000,000; FV=2,000,000; I/Y=2.5/365=0.0068; PMT=0; CPT N=10120.29541(天),再除以365得到27.7268就可以了。

sarahjia · 2020年11月17日

谢谢老师,真是不好意思问这种问题。。。返回来看都忘的光光的刚刚又看了一遍计算器的视频, N的默认设定在计算器里是以天来计的对不

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