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达鸭 · 2021年07月05日

请问老师EAR的计算器怎么使用？

  1. CFA I
  2. Quantitative

NO.PZ2017092702000006

问题如下：

For a lump sum investment of ¥250,000 invested at a stated annual rate of 3% compounded daily, the number of months needed to grow the sum to ¥1,000,000 is closest to:

选项：

A.

555.

B.

563.

C.

576.

解释：

A is correct.

The effective annual rate (EAR) is calculated as follows:

EAR = (1 + Periodic interest rate)m – 1   EAR = (1 + 0.03/365)365 – 1   EAR= (1.03045) – 1 = 0.030453 ≈ 3.0453%. Solving for N on a financial calculator results in (where FV is future value and PV is present value): (1 + 0,030453)N = FVN/PV = ¥1,000,000/¥250,000）So,N = 46.21 years, which multiplied by 12 to convert to months results in 554.5, or ≈ 555 months.

请问老师如何使用计算器计算EAR，也就是题目EAR如何转化？

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1 个答案

星星_品职助教 · 2021年07月05日

同学你好，

EAR是通过公式来计算的。如下：

根据本题题干：“ ....a stated annual rate of 3% compounded daily,...”，所以m=365，即：

计算出括号内的数字后，按“yx”，“365”，“=”，得到365次方，减1即可得到EAR。

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