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oli · 2021年10月20日

请问这道题中算EAR时，要算2.5%（r)除以365(m)的值，但是我用计算器除出来是0，是哪里不对吗？应该怎么算呢？谢谢

  1. CFA I
  2. Quantitative

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.

请问这道题中算EAR时，要算2.5%（r)除以365(m)的值，但是我用计算器除出来是0，是哪里不对吗？应该怎么算呢？谢谢

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1 个答案

星星_品职助教 · 2021年10月21日

同学你好，

2.5%/365正常输入即可，结果为0.00006849（计算器保留八位小数后结果），显示为0应该是因为小数位数较少的原因。

所以解决方案如下：

1）一次性直接计算(1+0.025/365)的365次方的值，结果为0.0253（保留四位小数后结果）。这个结果还可以继续进行操作，先减1后，再乘100，得到2.5314，直接按I/Y。上述操作就相当于输入了最准确的I/Y的值，中途没有经过四舍五入。

2）如果单独就是要计算0.025/365的值，可以通过增加保留的小数位数的方式，但一般情况下用不到，保留四位小数基本够用了。

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