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狂狷 · 2021年10月26日

Account 1的计算不明白

  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

Account1复利3年为什么不用750*（1+3%/4）的12次来计算呢
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1 个答案

星星_品职助教 · 2021年10月27日

同学你好，

通过这个条件“ Account 2 is compounded annually with annual interest rate of 2.5%. ”，可知只有在年末，Accout 2才会产生750的利息。

所以总时间一共三年，但只有在第一年末Account 2才会将第一笔利息750打入Account 1，这个第一笔750在Account 1里待的时间就是剩下的两年，而不是一共三年。所以最后应该是4×2年，即8次方，非12次方。

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