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Dang.D · 2021年10月05日

你好，请问为啥不选B

  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.

试错法带数进去计算，a选项和b选项都有误差，是不是因为a的误差相对来说比较小。

还有就是计算器怎么计算1.02531的n次方等于2.谢谢

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1 个答案

星星_品职助教 · 2021年10月06日

同学你好，

这道题并不用试错法，也不用计算器硬算公式。

这道题常规的算法是直接按计算器，PV=-1，PMT=0，FV=2，I/Y=2.531（EAR转化后的结果），CPT N=27.73直接迅速得到答案A。

转化为EAR的好处是直接可以得到答案（因为选项都是XX“年”），也可以把期限设置成天来计算，然后再转化到年。

---------

如果把期限设置为天数的话，计算器按键为：

PV=-1，FV=2，PMT=0，I/Y=2.5/365=0.0068，CPT N=10,120.295

（天）

转化成年就是/365=27.7268。

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