题目没读懂

NO.PZ2017092702000017

问题如下：

Given a stated annual interest rate of 6% compounded quarterly, the level amount that, deposited quarterly, will grow to £25,000 at the end of 10 years is closest to:

选项：

£461.

£474.

£836.

解释：

A is correct.

To solve for an annuity (A) payment, when the future value (FV), interest rate, and number of periods is known, use the following equation:

${l}FV=A{\lbrack\frac{{(1+\frac{r_s}m)}^{mN}-1}{\frac rm}\rbrack}\\25,000=A{\lbrack\frac{{(1+\frac{0.06}4)}^{4\times10}-1}{\frac{0.06}4}\rbrack}$

A=460.68

计算器按法：

6%/4=1.5%。所以I/Y=1.5，N=10*4=40，FV=25000，PV=0，CPT PMT=-460.6775.

首先我理解的题目意思是：6%年化，1年4次复利，得到EAR，然后在这个EAR水平下也进行每年复利4次，10年后得到25000刀，问每年存入多少钱

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安在 · 2022年08月22日

所以我的做法是：（1）1+EAR=（1+6%/4）^4 得EAR=0.061364 （2）N=40 FV=25000 PV=0 I/Y=EAR/4=0.015341 得PMT=-623.132275

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星星_品职助教 · 2022年08月23日

同学你好，

题目理解没问题。

EAR已是有效利率，不需要再除以4。应该除以4的是stated annual interest rate of 6%。

本题直接用期间利率1.5%计算即可，没必要再转化一步EAR。正确的计算器按键为： I/Y=6/4=1.5，N=10×4=40， FV=25000， PV=0，CPT PMT= -460.6775

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NO.PZ2017092702000017问题如下Given a stateannuinterest rate of 6% compounquarterly, the level amount that, positequarterly, will grow to £25,000 the enof 10 years is closest to:A.£461.B.£474.C.£836. A is correct. To solve for annuity (payment, when the future value (FV), interest rate, annumber of perio is known, use the following equation:lFV=A[(1+rsm)mN−1rm]25,000=A[(1+0.064)4×10−10.064]{l}FV=A{\lbrack\frac{{(1+\frac{r_s}m)}^{mN}-1}{\frrm}\rbrack}\\25,000=A{\lbrack\frac{{(1+\frac{0.06}4)}^{4\times10}-1}{\frac{0.06}4}\rbrack}lFV=A[mr(1+mrs)mN−1]25,000=A[40.06(1+40.06)4×10−1]A=460.68计算器按法6%/4=1.5%。所以I/Y=1.5，N=10*4=40，FV=25000，PV=0，CPT PMT=-460.6775. 为什么I/Y用的不是EAR/4?

2023-07-20 19:25 1 · 回答

NO.PZ2017092702000017问题如下 Given a stateannuinterest rate of 6% compounquarterly, the level amount that, positequarterly, will grow to £25,000 the enof 10 years is closest to:A.£461.B.£474.C.£836. A is correct. To solve for annuity (payment, when the future value (FV), interest rate, annumber of perio is known, use the following equation:lFV=A[(1+rsm)mN−1rm]25,000=A[(1+0.064)4×10−10.064]{l}FV=A{\lbrack\frac{{(1+\frac{r_s}m)}^{mN}-1}{\frrm}\rbrack}\\25,000=A{\lbrack\frac{{(1+\frac{0.06}4)}^{4\times10}-1}{\frac{0.06}4}\rbrack}lFV=A[mr(1+mrs)mN−1]25,000=A[40.06(1+40.06)4×10−1]A=460.68计算器按法6%/4=1.5%。所以I/Y=1.5，N=10*4=40，FV=25000，PV=0，CPT PMT=-460.6775. 题目从哪里可以看出要求的是PMT

2023-06-08 19:32 1 · 回答

NO.PZ2017092702000017 问题如下 Given a stateannuinterest rate of 6% compounquarterly, the level amount that, positequarterly, will grow to £25,000 the enof 10 years is closest to: A.£461. B.£474. C.£836. A is correct. To solve for annuity (payment, when the future value (FV), interest rate, annumber of perio is known, use the following equation:lFV=A[(1+rsm)mN−1rm]25,000=A[(1+0.064)4×10−10.064]{l}FV=A{\lbrack\frac{{(1+\frac{r_s}m)}^{mN}-1}{\frrm}\rbrack}\\25,000=A{\lbrack\frac{{(1+\frac{0.06}4)}^{4\times10}-1}{\frac{0.06}4}\rbrack}lFV=A[mr(1+mrs)mN−1]25,000=A[40.06(1+40.06)4×10−1]A=460.68计算器按法6%/4=1.5%。所以I/Y=1.5，N=10*4=40，FV=25000，PV=0，CPT PMT=-460.6775. 老师，为什么这道题不求EAR呢？为什么我觉得用EAR除以4，才是最终计算器要带入的1/Y呢

2022-05-08 17:48 1 · 回答

NO.PZ2017092702000017 从那句话可以推断出这道题目的PV是0呢？

2021-11-16 20:38 1 · 回答

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