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010****0328 · 2021年02月13日

想问一下为什么PMT=750

  1. CFA I
  2. Quantitative

NO.PZ2018062016000019

问题如下：

Clark opens two bank accounts. Account 1 is compounded quarterly with stated annual rate of 3%, while Account 2 is compounded annually with annual interest rate of 2.5%. Clark put the principal of $30,000 to Account 2 and annual interest to Account 1 as long as he received. After three years, what is the difference between Clark’s current wealth planning and leaving all the money in Account 2?

选项：

A.

$13.50

B.

$12.24

C.

$16.12

解释：

B is correct.

Annual interest received from Account 2 is $30,000*2.5%=$750.

After three years, Clark’s current wealth planning:

Leave all the money in Account 2: $30,000*(1+2.5%)3=$32306.71

The difference is $32318.95-$32306.71=12.24

每一年account2账户里面得到的利息都不一样的话 为什么pmt可以是一个固定的值呢
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1 个答案

星星_品职助教 · 2021年02月13日

同学你好，

每一年account2账户里面得到的利息是一样的。

根据题干描述“...Account 2 is compounded annually with annual interest rate of 2.5%. Clark put the principal of $30,000 to Account 2”可知，每年account 2里的利息固定就是30,000×2.5%=750。这个750不会有变化的。

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