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朱明远 · 2019年10月30日

问一道题：NO.PZ2018062016000017

  1. CFA I
  2. Quantitative

问题如下：

Bella set a new account for her worldwide-traveling plan. She plans to fund about $100,000 in five years and deposit cash in this account every month. Assume the stated annual rate is 3% and compounded monthly, the amount that Bella has to put into the account each month is:

选项：

A.

$1,547

B.

$1,570

C.

$1,670

解释：

A is correct. Input the following data in the calculator at END mode: N=5*12=60, I/Y=3/12, FV=100,000, PV=0, then PMT=-1,547. Therefore, the monthly deposit for Bella is $1547.

这道题的3%是年利率吧？为什么只要3/12就可以了？而不是要求3%的EAR？

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星星_品职助教 · 2019年10月30日

同学你好，

这道题是求每个月要存多少钱。所以相当于每一期是一个月，要求的是月度的PMT，对应的也是月度利率。所以从月度视角来看，相当于每个月的利率就是3%/12，一共是12*5=60个月。就没必要再去转化为求EAR（“年”实际收益率）了。加油。

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NO.PZ2018062016000017 问题如下 Bella set a new account for her worli-traveling plan. She plans to funabout $100,000 in five years anposit cash in this account every month. Assume the stateannurate is 3% ancompounmonthly, the amount thBella hto put into the account eamonth is: A.$1,547 B.$1,570 C.$1,670 A is correct. Input the following ta in the calculator ENmo: N=5*12=60, I/Y=3/12, FV=100,000, PV=0, then PMT=-1,547. Therefore, the monthly posit for Bella is $1547. 我有个问题一直没搞明白。如果我算EAR的话就是(1+0.03/12)的12x5次方.这个公式是算的什么？我总是不知道一道题什么时候算E什么时候又可以直接按计算器

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2022-12-15 18:49 1 · 回答

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