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袁翀 · 2021年09月17日

用计算器求解得到的答案与选项中的答案有出入

  1. CFA I
  2. Quantitative

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.

老师我的求解方法是先EAR的公式求解出EAR，得到0.25314，然后将这个数值带入计算器中的I/Y值，计算器输出的结果是2758.15，这种算法的错误之处在哪里呢？有些不明白。
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星星_品职助教 · 2021年09月18日

同学你好，

EAR应该是0.02531，代入I/Y的值应该是去掉百分号后的2.531

计算器列式为：

PV=-1，PMT=0，FV=2，I/Y=2.531，CPT N=27.73

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