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南极耳语 · 2021年01月22日

pv=-250000,FV=1000000,PMT=0,I/Y=0.304,这道题算出来的EAR是年收益率还是日收益率？这样算出来的N是年数还是天数呢？

  1. CFA I
  2. Quantitative

问题如下：

For a lump sum investment of ¥250,000 invested at a stated annual rate of 3% compounded daily, the number of months needed to grow the sum to ¥1,000,000 is closest to:

选项：

A.

555.

B.

563.

C.

576.

解释：

A is correct.

The effective annual rate (EAR) is calculated as follows:

EAR = (1 + Periodic interest rate)m – 1   EAR = (1 + 0.03/365)365 – 1   EAR= (1.03045) – 1 = 0.030453 ≈ 3.0453%. Solving for N on a financial calculator results in (where FV is future value and PV is present value): (1 + 0,030453)N = FVN/PV = ¥1,000,000/¥250,000）So,N = 46.21 years, which multiplied by 12 to convert to months results in 554.5, or ≈ 555 months.

有点不懂这个以什么为计时的标准

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1 个答案

星星_品职助教 · 2021年01月22日

同学你好，

EAR是effective ANNUAL rate，所以是年利率。EAR = (1 + 3%/365)^365 – 1 = 0.030453 ≈ 3.0453%

年利率对应的N就是年数，所以本题计算得出的结果是46.21年，即555个月。

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