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安在 · 2022年08月22日

换这个算法行么？

  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.

设需要M年，

100*（1+2.5%/365） 365m =200

将M=28.07代入，发现左边=201大于200

所以复利效果太大了 那么选小一些的A选项

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已采纳答案

星星_品职助教 · 2022年08月22日

同学你好，

如果要这么做，需要代入的是中间选项27.73，如果左边大了，就选小一点的年数。如果左边小了，就选大一点的年数，直接一次可以得出答案。

如果代入了28.07，只能判断复利效果大了，却不知道应该小多少，即A、C选项都有可能，还需要再试一次才能确认。

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