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Dorothy坤🦌 · 2020年10月12日

问一道题：NO.PZ2018062016000006

  1. CFA I
  2. Quantitative

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.

请问 EAR保留几位小数，本题答案中0.02531，将A选项带入后的得出1.99992867，并不大于2.

而实际EAR为0.025314...,若多保留一位，A选项成立。

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已采纳答案

星星_品职助教 · 2020年10月12日

同学你好，

从正常解题的角度，这道题的解题思路不需要代入选项，没有反代选项的必要，也没有去看和2是否靠近的必要，直接了当计算即可。

PV=-1,000,000; FV=2,000,000; I/Y=2.5/365; PMT=0; CPT N=10120.29541天，再除以365天即可直接得到27.7268年，答案直接选择A。

答案解析只是一个公式的演示，不是我们正常做题的方式，不需要代入这个公式，正常做题是用计算器直接按的。

考试也不会在保留几位小数的问题上做文章的，一般一级保留两位就够，想更精确的话就保留四位。

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