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🌅 🌅多吉旺珍🌞🌞 · 2020年07月20日

问一道题:NO.PZ2018062016000006

问题如下:

Lucy believes that after retirement she will need about $2 million totally for her daily expenses. At present, she has $1million investment at a stated annual interest rate of 2.5%. Assuming compounded daily, how long does it take for Lucy to have enough money for retirement life?

选项:

A.

27.73 years

B.

28.07 years

C.

26.48 years

解释:

A is correct.

EAR=(1+0.025/365)365-1=0.02531

$1million*(1+0.02531)N =$2million, N=27.73 years.

这道题已经逼疯我了,几种算法都没有算出来,能麻烦给一个详细解题思路么

2 个答案

星星_品职助教 · 2020年08月08日

@vko

2.5%是stated annual interest rate,不能直接用。

用计算器解题时,I/Y不考虑百分号

星星_品职助教 · 2020年07月20日

同学你好,

这道题用计算器解题即可。题干中给出的是PV=1m,FV=2m。I/Y需要做一个转化,由于是按日计息,所以日利率即为2.5/365=0.0068,题干并没有提及还涉及期间现金流,所以PMT=0.

逐项代入,I/Y=0.0068,PV=-1,PMT=0,FV=2. CPY N即可。注意这个N是一共有N期的意思,这里面一期是一天,所以计算出来的N是个天数,还要除以365才能得到年数。计算出来直接就可以选择答案A

vko · 2020年08月08日

为什么是直接用2.5/365 而不是2.5%

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