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Connor0314 · 2022年12月17日

题目写的是another five years，为什么n不是 5 ？？

  1. CFA I
  2. Quantitative

NO.PZ2018062016000018

问题如下：

Four years ago, Joy put $2,000 into her bank account for house decoration which compounded annually with annual interest rate of 3%.  At present, Joy changes her plan and decide to deposit the money for another five years. The present value of Joy’s account is about:

选项：

A.

$2610

B.

$2251

C.

$2319

解释：

B is correct. The present value is the original deposit compounded annually for four years, which is $2,000*(1+3%)4=$2251.

题目写的是another five years，为什么n不是 5 ？？

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1 个答案

星星_品职助教 · 2022年12月17日

同学你好，

本题意为四年前存了2,000，问到今天有多少钱，所以看的是2,000经过过去的四年复利后，到了今天即present这个时点上变成了多少，即N=4.

another five years是将来还要再存五年，如果要计算五年后这笔钱又会增长到多少，此时N才为5。

换句话说，无论未来再存5年还是50年，都不会影响到过去四年在今天（present）这个时点上所形成的价值。

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    没有看懂这个题目的意思，不是他4年前存了2000，现在这笔钱又重新存5年吗？

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