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如此_AnnieCcc · 2021年02月02日

问

  1. CFA I
  2. Quantitative

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.

我这道题没有算ear~我计算器算出来的n除以365直接得出来答案1，不行吗？还是巧合？》〉

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2 个答案

Crux🃏 · 2021年02月02日

因为这道题EAR算出来还是2.5 和题里给的正好一样了 是个巧合

星星_品职助教 · 2021年02月02日

同学你好，

这样做是可以的。转化为EAR的好处是直接可以得到答案（因为选项都是XX“年”），但也可以把期限设置成天来计算，然后再转化到年。

如果把期限设置为天数的话，计算器按键应为：

PV=-1，FV=2，PMT=0，I/Y=2.5/365=0.0068，CPT N=10,120.295（天）

转化成年就是/365=27.7268。

如果你的过程和我以上的一样，就没问题（下次可以把你的过程列上来，不然我不知道你是怎么算的）

 

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