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dididididi · 2020年02月01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.

老师，要怎么区分一道题是应该用EAR 来计算，还是直接除以12之类的次数？谢谢~

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2 个答案

星星_品职助教 · 2021年10月30日

@Jusay

同学你好，EA（annual）R是有效年利率。只针对年

计算每月 或每季、每日这种非每年的数据都可以简单的用stated annual rate除以12、4和365。


星星_品职助教 · 2021年04月05日

@dididididi@Gracia

同学你好，修正了一下回复：

如果题干中给出的是“stated annual rate”，同时后面又给了计息频率，就说明需要转化。不能直接用stated annual rate。

例如本题"Assume the stated annual rate is 3% and compounded monthly"说明3%不能直接用，需要转化。由于这道题求的是：“the amount ....put into the account each month”，所以直接通过I/Y=3/12转化成月利率就行。不用转化为EAR。

但如果题目中要求每年的PMT，或者要求多少年，这个时候就可以转化为EAR了。

Jusay · 2021年10月30日

EAR是不是仅针对年？ 只要是计算每月 或每季、每日这种非每年的数据都可以简单的用年利率除以12、4和365？

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