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袁翀 · 2021年09月17日

用计算器求解得到的答案与选项中的答案有出入

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.

老师我的求解方法是先EAR的公式求解出EAR,得到0.25314,然后将这个数值带入计算器中的I/Y值,计算器输出的结果是2758.15,这种算法的错误之处在哪里呢?有些不明白。
1 个答案
已采纳答案

星星_品职助教 · 2021年09月18日

同学你好,

EAR应该是0.02531,代入I/Y的值应该是去掉百分号后的2.531

计算器列式为:

PV=-1,PMT=0,FV=2,I/Y=2.531,CPT N=27.73

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