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chuziyang · 2022年09月18日

請問爲何是356

  1. CFA I
  2. Quantitative

NO.PZ2017092702000006

问题如下：

For a lump sum investment of ¥250,000 invested at a stated annual rate of 3% compounded daily, the number of months needed to grow the sum to ¥1,000,000 is closest to:

选项：

A.

555.

B.

563.

C.

576.

解释：

A is correct.

The effective annual rate (EAR) is calculated as follows:

EAR = (1 + Periodic interest rate)m – 1   EAR = (1 + 0.03/365)365 – 1   EAR= (1.03045) – 1 = 0.030453 ≈ 3.0453%.

Solving for N on a financial calculator results in (where FV is future value and PV is present value):

(1 + 0,030453）N = FVN/PV = (¥1,000,000/¥250,000）So,N = 46.21 years, which multiplied by 12 to convert to months results in 554.5, or ≈ 555 months.

EAR = (1 + 0.03/365)365 – 1 


請問這裡爲何是356，不能是12，按照月來算，謝謝，

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Susie · 2022年10月20日

因为是compounded daily

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星星_品职助教 · 2022年09月19日

同学你好，

题干给出的条件是按日计息（...at a stated annual rate of 3% compounded daily）。所以转化利率时只能除以365，得到实际的日利率。

只有compounded monthly的时候才能除以12

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