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Kyra · 2023年06月06日

可以讲解下做题流程吗?

NO.PZ2018062016000010

问题如下:

Mary has a separate account for her annual savings which has a stated annual rate of 3% and compounding quarterly. At the end of each year, she transfers unequal cash flows into this account. Year 1: $500, Year 2: $800, Year 3: $0, Year 4: $300, Year 5: $500. How much will Mary save for her account at the end of year 5?

选项:

A.

$2246.81

B.

$2247.65

C.

$2281.00

解释:

B is correct.

请问这个题的计算流程是什么样的,没有理解。要先算什么再算什么?

2 个答案

星星_品职助教 · 2023年06月16日

@OTAUSIN

1)答案给的是把每笔现金流都直接复利到第五年末的情况,目的是将不同时点发生的五笔现金流统一到相同的时点(第五年末),从而可以相加;

2)相加的是五笔现金流各自复利到第五年末后的本息和,不是利息相加,也不是单利求和;

3)这种将五笔现金流统一放到第五年后加总的方式比较简单,不需要一年一年的叠加求和。


袁园_品职助教 · 2023年06月07日

嗨,从没放弃的小努力你好:


以第一笔500为例,PV=-500,N=16,I/Y=3/4=0.75,PMT=0,CPT FV=563.4961.其余的同理。然后全部算出来之后相加即可

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OTAUSIN · 2023年06月15日

你好,请问他既然是复利,那么第二年本金不应该是第一年本金加利息所得在加上转进的本金吗?后面以此类推,为什么给的答案却是简单的每年利息相加,这不就变成单利求和了嘛?

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