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姿姿不倦 · 2020年12月04日

问一道题：NO.PZ2018062016000019 [ CFA I ]

  1. CFA I
  2. Quantitative

问题如下：

Clark opens two bank accounts. Account 1 is compounded quarterly with stated annual rate of 3%, while Account 2 is compounded annually with annual interest rate of 2.5%. Clark put the principal of $30,000 to Account 2 and annual interest to Account 1 as long as he received. After three years, what is the difference between Clark’s current wealth planning and leaving all the money in Account 2?

选项：

A.

$13.50

B.

$12.24

C.

$16.12

解释：

B is correct.

Annual interest received from Account 2 is $30,000*2.5%=$750.

After three years, Clark’s current wealth planning:

Leave all the money in Account 2: $30,000*(1+2.5%)3=$32306.71

The difference is $32318.95-$32306.71=12.24

最后一句话怎么翻译？leaving the account 的意思是把account 2的钱全部取出来的意思吗？planning 怎么理解
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1 个答案

星星_品职助教 · 2020年12月04日

同学你好，

“ what is the difference between Clark’s current wealth planning and leaving all the money in Account 2?”的意思是要比较以下两项：

1. “current wealth planning ”，即“put the principal of $30,000 to Account 2 and annual interest to Account 1”。这种方案是只把本金30,000留在account 2里，产生的利息全取出来放到account 1里进行复利滚动。这种情况下需要计算一下account 1里的终值。然后再加上放在account 2里的30,000.

2. “leaving all the money in Account 2”，即需要计算一个如果不把利息拿出来给account 1，所有本息和全在account 2里复利滚动增长后的终值是多少

然后两者做差即可。

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