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大老王 · 2019年12月12日

问一道题:NO.PZ2018062016000011

问题如下:

To increase current investment value of $25,000 to $35,000 in 5 years, which will be the most appropriate below?

选项:

A.

deposit in the account that stated annual rate of 6.55% and compounded continuously

B.

deposit in the account that stated annual rate of 7% and compounded monthly

C.

deposit in the account that stated annual rate of 6.79% and compounded quarterly

解释:

C is correct. $25,000(1+r/4)4*5=$35,000, r=6.79%.

请问这道题求答案C可以用计算器直接算吗,我是这样:PV=-25000,PMT=0,FV=35000,N=4*5=20,这样是否正确呢

2 个答案

葵小希 · 2020年02月23日

为什么说计算器算出来的I/Y是季度利率的形式,我就不太明白我正常算出来是I/Y=6.9610,我读题目也没有看出来是按照季度计算呀?麻烦老师给我分析下

星星_品职助教 · 2020年02月23日

I/Y是期间利率的意思,和N是对应的。之前同学用的N是4*5=20个季度,所以对应的也是季度利率。

星星_品职助教 · 2019年12月12日

同学你好,

可以用计算器。因为你写的计算器的过程,实际上背后的逻辑就是答案解析里的公式,两者本质是相同的。

有一点需要注意,就是计算器算出来的I/Y是季度利率的形式,所以还需要乘以4才能得到stated annual rate。加油

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NO.PZ2018062016000011 问题如下 To increase current investment value of $25,000 to $35,000 in 5 years, whiwill the most appropriate below? A.posit in the account thstateannurate of 6.55% ancompouncontinuously B.posit in the account thstateannurate of 7% ancompounmonthly C.posit in the account thstateannurate of 6.79% ancompounquarterly C is correct. $25,000(1+r/4)4*5=$35,000, r=6.79%. 选B,FV为35440.63 35000,收益更高,所以为什么不选B呢,问题问的是最合适的方式。

2022-10-17 21:49 1 · 回答

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2022-04-25 13:46 1 · 回答

NO.PZ2018062016000011 month=(1+6.96%/12)12次方-1=7.2% quarter=(1+6.96%/4)4次方-1=7.14%

2021-04-29 23:17 1 · 回答

NO.PZ2018062016000011 posit in the account thstateannurate of 7% ancompounmonthly posit in the account thstateannurate of 6.79% ancompounquarterly C is correct. $25,000(1+r/4)4*5=$35,000, r=6.79%.为什么要算成季度?不是年么?

2021-02-25 10:21 2 · 回答

NO.PZ2018062016000011 posit in the account thstateannurate of 7% ancompounmonthly posit in the account thstateannurate of 6.79% ancompounquarterly C is correct. $25,000(1+r/4)4*5=$35,000, r=6.79%.怎么理解这道题用的这个公式呢 谢谢

2021-02-12 13:38 1 · 回答