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英诺森吃覅消 · 2021年09月11日

计算公式是否有问题?

NO.PZ2018062016000006

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.

您好:

我是按照1*(1+2.5%/365) 365n =2

得出n=27.92年 请问这个计算的错误在哪里?

1 个答案

星星_品职助教 · 2021年09月11日

同学你好,

①这个计算和列式没有错误,我试了一下,结果是27.7268。用换底公式转化后,可以计算器一步按出来。就不会有四舍五入的问题。

②从考试的角度,列公式解这类求N的题目的思路是错误的,耽误很多时间。上课时讲过的方法是直接按计算器:

PV=-1,FV=2,PMT=0,I/Y=2.5/365=0.0068,CPT N=10,120.295(天)

转化成年就是10,120.295/365=27.7268。

以后类似的题目都直接按计算器来解就可以。

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