010****0328 · 2021年02月12日
NO.PZ2018062016000010
问题如下：
Mary has a separate account for her annual savings which has a stated annual rate of 3% and compounding quarterly. At the end of each year, she transfers unequal cash flows into this account. Year 1: $500, Year 2: $800, Year 4: $300, Year 5: $500. How much will Mary save for her account at the end of year 5?
选项：
A. $2246.81
B. $2247.65
C. $2281.00
解释：
B is correct.
星星_品职助教 · 2021年02月12日
同学你好，
如果非要用NPV的方法做。输入方法如下：
CF0=0，CF1/C01=500，F01直接按向下箭头（此后F02-F05处理相同），CF2=800，CF3=0，CF4=300，CF5=500，I=3.03，
其中I=（1+3%/4）^4-1=3.03%，输入计算器时忽略百分号即为I=3.03
CF0不用输入，Year 3/CF3/C03输入0，按ENTER
输入完毕后，CPT NPV=1935.84，然后复利到第五年，即1935.845×(1+3.03%）^5=2247.65。
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①这道题不需要用NPV的方法做，不是常规解法
②NPV的算法会在公司金融中具体介绍。
NO.PZ2018062016000010 问题如下 Mary ha separate account for her annusavings whiha stateannurate of 3% ancompounng quarterly. the enof eayear, she transfers unequcash flows into this account. Ye1: $500, Ye2: $800, Ye3: $0, Ye4: $300, Ye5: $500. How muwill Mary save for her account the enof ye5? A.$2246.81 B.$2247.65 C.$2281.00 B is correct. 用CF计算是不是先求EAR，然后输入每期现金流，输入I/Y，然后cpt NFV
NO.PZ2018062016000010问题如下 Mary ha separate account for her annusavings whiha stateannurate of 3% ancompounng quarterly. the enof eayear, she transfers unequcash flows into this account. Ye1: $500, Ye2: $800, Ye3: $0, Ye4: $300, Ye5: $500. How muwill Mary save for her account the enof ye5? A.$2246.81B.$2247.65C.$2281.00B is correct.请问这个题的计算流程是什么样的，没有理解。要先算什么再算什么？
NO.PZ2018062016000010问题如下 Mary ha separate account for her annusavings whiha stateannurate of 3% ancompounng quarterly. the enof eayear, she transfers unequcash flows into this account. Ye1: $500, Ye2: $800, Ye3: $0, Ye4: $300, Ye5: $500. How muwill Mary save for her account the enof ye5? A.$2246.81B.$2247.65C.$2281.00B is correct.本题的答案是每一年单独计算 最后加上总额，我想问一下为什么不是第一年算出来的金额 加上第二年又存进去的的钱作为第二年的本金，以此类推到第五年
NO.PZ2018062016000010 问题如下 Mary ha separate account for her annusavings whiha stateannurate of 3% ancompounng quarterly. the enof eayear, she transfers unequcash flows into this account. Ye1: $500, Ye2: $800, Ye3: $0, Ye4: $300, Ye5: $500. How muwill Mary save for her account the enof ye5? A.$2246.81 B.$2247.65 C.$2281.00 B is correct. 这道题可不可以用N,IY,PV,PMT,FV这五个一年一年的算呢
NO.PZ2018062016000010问题如下 Mary ha separate account for her annusavings whiha stateannurate of 3% ancompounng quarterly. the enof eayear, she transfers unequcash flows into this account. Ye1: $500, Ye2: $800, Ye3: $0, Ye4: $300, Ye5: $500. How muwill Mary save for her account the enof ye5? A.$2246.81B.$2247.65C.$2281.00B is correct.EAR=3.034% 可以直接视作NPV键里的I（折现率）嘛？怎么感觉哪里怪怪的？
