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夏夏 · 2020年05月03日

问一道题：NO.PZ2018062016000011 [ CFA I ]

  1. CFA I
  2. Quantitative

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%.

按照题干正常求出I｜Y=6·96 但是是年复利的情况啊 怎么和下面的选项有效对比呢 这题求老师详解 最好能提供几种思路 谢谢！
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2 个答案

星星_品职助教 · 2020年05月27日

@GS

同学你好，

第一个EAR算反了，应该是e^6.55% -1=6.77%。第二个和第三个EAR的计算产生差异的原因是如果要计算“1年”的EAR，指数部分就不需要再乘以5年了，例如以第二个EAR为例，(1 + 7%/12)^(12) - 1=7.23%。

把5年考虑进去的算法也是可行的，但是不如直接计算1年的EAR简单明了，容易错。所以采用刚刚说的的计算方法就可以了。

星星_品职助教 · 2020年05月06日

同学你好，

把三个选项逐一转化为EAR进行对比即可。A=6.77%，B=7.23%，C=6.96%，发现C选项和根据题干算出来的EAR一样，直接选C即可

GS · 2020年05月27日

请问这个EAR是分别怎么算呢？ 我算的是哪里错了呢？ A (1+6.55%)^e -1 = 6.344% B (1 + 7%/12)^(12*5) - 1= 41.8% C (1 + 6.79%/4)^(4*5) - 1= 40%

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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

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%. 如果复利连续计算，用对数算的话，是不是这么算呢？35/25=e的R次方，R=ln(35/25)。

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