开发者:上海品职教育科技有限公司 隐私政策详情

应用版本:4.2.11(IOS)｜3.2.5(安卓)APP下载

返回

米其林 · 2021年06月03日

Account 1的stated annual rate不能直接用吗？

  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

是不是所有题目中的stated annual rate都要转化成EAR，才可以计算呀

添加评论
2 个答案
已采纳答案

星星_品职助教 · 2021年06月03日

同学你好，

对。

所有stated annual rate都不能直接用，需要根据计息频率做转化。

既可以转化为期间利率（日/周/月利率），也可以转化为EAR。根据题干给出的N和PMT的频率来决定即可。

星星_品职助教 · 2021年06月03日

@米其林 回复追问：

对，EAR就是Effective Annual Rate即有效年利率

  • 2

    回答

  • 1

    关注

  • 517

    浏览
相关问题

NO.PZ2018062016000019问题如下Clark opens two bank accounts. Account 1 is compounquarterly with stateannurate of 3%, while Account 2 is compounannually with annuinterest rate of 2.5%. Clark put the principof $30,000 to Account 2 anannuinterest to Account 1 long he receive After three years, whis the fferenbetween Clark’s current wealth planning anleaving all the money in Account 2?A.$13.50B.$12.24C.$16.12B is correct.Annuinterest receivefrom 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=$32306.71The fferenis $32318.95-$32306.71=12.24我想得比较复杂，本金在账户2里面不需要按照2.5%复利吗

2023-05-29 00:32 1 · 回答

NO.PZ2018062016000019 问题如下 Clark opens two bank accounts. Account 1 is compounquarterly with stateannurate of 3%, while Account 2 is compounannually with annuinterest rate of 2.5%. Clark put the principof $30,000 to Account 2 anannuinterest to Account 1 long he receive After three years, whis the fferenbetween Clark’s current wealth planning anleaving all the money in Account 2? A.$13.50 B.$12.24 C.$16.12 B is correct.Annuinterest receivefrom 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=$32306.71The fferenis $32318.95-$32306.71=12.24 有点读不懂题，她到底对1和2干了啥呀？Clark put the principof $30,000 to Account 2 anannuinterest to Account 1 long he receive 这句话怎么理解呢？谢谢老师！

2023-05-24 16:05 2 · 回答

NO.PZ2018062016000019 问题如下 Clark opens two bank accounts. Account 1 is compounquarterly with stateannurate of 3%, while Account 2 is compounannually with annuinterest rate of 2.5%. Clark put the principof $30,000 to Account 2 anannuinterest to Account 1 long he receive After three years, whis the fferenbetween Clark’s current wealth planning anleaving all the money in Account 2? A.$13.50 B.$12.24 C.$16.12 B is correct.Annuinterest receivefrom 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=$32306.71The fferenis $32318.95-$32306.71=12.24 一笔利息750*（1+3%/4）的4次方=772.75，第二笔（750+772.75）*（1+3%/4）的4次方=1534.170625，第三笔750。

2023-03-11 22:44 1 · 回答

NO.PZ2018062016000019 问题如下 Clark opens two bank accounts. Account 1 is compounquarterly with stateannurate of 3%, while Account 2 is compounannually with annuinterest rate of 2.5%. Clark put the principof $30,000 to Account 2 anannuinterest to Account 1 long he receive After three years, whis the fferenbetween Clark’s current wealth planning anleaving all the money in Account 2? A.$13.50 B.$12.24 C.$16.12 B is correct.Annuinterest receivefrom 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=$32306.71The fferenis $32318.95-$32306.71=12.24 为什么不能用，pmt=-750,pv=0,n=12,I/Y=0.75 算 account 1 的FV

2023-03-06 22:14 3 · 回答

NO.PZ2018062016000019 问题如下 Clark opens two bank accounts. Account 1 is compounquarterly with stateannurate of 3%, while Account 2 is compounannually with annuinterest rate of 2.5%. Clark put the principof $30,000 to Account 2 anannuinterest to Account 1 long he receive After three years, whis the fferenbetween Clark’s current wealth planning anleaving all the money in Account 2? A.$13.50 B.$12.24 C.$16.12 B is correct.Annuinterest receivefrom 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=$32306.71The fferenis $32318.95-$32306.71=12.24 您好，可否一下Account 1的计算方法？按照我的理解，我会想列这个式子750*（1+3%/4）的12次方，请问是哪里有错误吗？谢谢！

2023-02-14 22:30 1 · 回答