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简敏敏 · 2021年02月07日

问一道题：NO.PZ2018062016000006 [ CFA I ]

  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.

老师您好 为什么前面一道题 14.13% 计算机里需要按0.1413 这到题就不需要？什么时候计算机需要转换成小数？什么时候不需要转换？
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已采纳答案

星星_品职助教 · 2021年02月07日

同学你好，

①如果用的是计算器第三排的五个键来计算，那么此时“I/Y”只输入百分号前面的数字即可，不需要将百分数转化为小数。

类似的，如果用CF键计算NPV的话，“I”也是只输入百分号前面的数字（公司金融里的考点）。

（这是因为老外在设计这两个功能时，把“%”考虑成了一个单位）

②如果是一般正常的混合运算，那么百分号是需要转化成小数的。

-----------------------

我们答题的后台系统和学员的系统不一样，看不到这道题的前面一道题，但我理解应该就是这个问题。

如果理解错了可以继续追问~

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