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VincentShell · 2022年11月22日

为什么我算的Account 1中的FV是2318.18

  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

No.PZ2018062016000019 (选择题)

来源: 品职出题

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?

A

$13.50

B

$12.24

C

$16.12




老师请问一下，当我把Account 2中每年的750放入Account 1中，我使用的是N=3, PMT=750, PV=0, I/Y=3 最后得出的FV=2318.18。但是题目中得到的是2318.95。为什么我得出的结果不一样。


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1 个答案

星星_品职助教 · 2022年11月23日

同学你好，

1）Account 1中的利率设置为：“....is compounded quarterly with stated annual rate of 3%”，所以需要将名义上的报价利率3%结合实际的计息频率进行转化，不能直接使用；

2）由于本题中，PMT是按年支付的750，所以I/Y也必须是年利率。基于此，将3%转化为EAR，即EAR=（1+3%/4）4-1=3.034%。

综上，计算器按键修正为：N=3, PMT=750, PV=0, I/Y=3.034，CPT FV=-2,318.95

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