问题如下图：
选项：
A. 
B. 
C. 
解释：
老师问下 为什么annual interest是750每年 acount2的利息难道不是利滚利的复利形式吗 为什么每年都一样都是750
星星_品职助教 · 2019年10月04日
同学你好，
“利滚利”的意思是第一年形成的利息，继续累积到第二年的本金里，所以第二年计算利息的时候就相当于本金增加了（第一年利息的部分）。然后再看这道题，Clark是将3w本金所产生的利息在收到的同时从Account 2 中拿出来，放到Account 1里了。所以不会产生“利滚利”的效果。
所以看答案解析，Account 1 里面的3次现金流来源都是Account 2里产生的利息，而利息750当被放入Account 1 里后，是有利滚利效果的。但Account 2里面永远只有本金3w。
加油。
sarahjia · 2020年02月06日
first payment 750(1+3%4)^4*2 这个乘2是为什么呢
sarahjia · 2020年02月06日
还有就是750这个利息是account2第一年年末产生的利息吗
星星_品职助教 · 2020年02月06日
750是A/C 2第一年末产生的利息。乘以2是因为有两年。EAR对应的知识点需要复习一下
NO.PZ2018062016000019问题如下Clark opens two bank accounts. Account 1 is compounquarterly with stateannurate of 3%, while Account 2 is compounannually with annuinterest rate of 2.5%. Clark put the principof $30,000 to Account 2 anannuinterest to Account 1 long he receive After three years, whis the fferenbetween Clark’s current wealth planning anleaving all the money in Account 2?A.$13.50B.$12.24C.$16.12B is correct.Annuinterest receivefrom 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=$32306.71The fferenis $32318.95-$32306.71=12.24我想得比较复杂，本金在账户2里面不需要按照2.5%复利吗
NO.PZ2018062016000019 问题如下 Clark opens two bank accounts. Account 1 is compounquarterly with stateannurate of 3%, while Account 2 is compounannually with annuinterest rate of 2.5%. Clark put the principof $30,000 to Account 2 anannuinterest to Account 1 long he receive After three years, whis the fferenbetween Clark’s current wealth planning anleaving all the money in Account 2? A.$13.50 B.$12.24 C.$16.12 B is correct.Annuinterest receivefrom 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=$32306.71The fferenis $32318.95-$32306.71=12.24 有点读不懂题，她到底对1和2干了啥呀？Clark put the principof $30,000 to Account 2 anannuinterest to Account 1 long he receive 这句话怎么理解呢？谢谢老师！
NO.PZ2018062016000019 问题如下 Clark opens two bank accounts. Account 1 is compounquarterly with stateannurate of 3%, while Account 2 is compounannually with annuinterest rate of 2.5%. Clark put the principof $30,000 to Account 2 anannuinterest to Account 1 long he receive After three years, whis the fferenbetween Clark’s current wealth planning anleaving all the money in Account 2? A.$13.50 B.$12.24 C.$16.12 B is correct.Annuinterest receivefrom 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=$32306.71The fferenis $32318.95-$32306.71=12.24 一笔利息750*（1+3%/4）的4次方=772.75，第二笔（750+772.75）*（1+3%/4）的4次方=1534.170625，第三笔750。
NO.PZ2018062016000019 问题如下 Clark opens two bank accounts. Account 1 is compounquarterly with stateannurate of 3%, while Account 2 is compounannually with annuinterest rate of 2.5%. Clark put the principof $30,000 to Account 2 anannuinterest to Account 1 long he receive After three years, whis the fferenbetween Clark’s current wealth planning anleaving all the money in Account 2? A.$13.50 B.$12.24 C.$16.12 B is correct.Annuinterest receivefrom 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=$32306.71The fferenis $32318.95-$32306.71=12.24 为什么不能用，pmt=-750,pv=0,n=12,I/Y=0.75 算 account 1 的FV
NO.PZ2018062016000019 问题如下 Clark opens two bank accounts. Account 1 is compounquarterly with stateannurate of 3%, while Account 2 is compounannually with annuinterest rate of 2.5%. Clark put the principof $30,000 to Account 2 anannuinterest to Account 1 long he receive After three years, whis the fferenbetween Clark’s current wealth planning anleaving all the money in Account 2? A.$13.50 B.$12.24 C.$16.12 B is correct.Annuinterest receivefrom 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=$32306.71The fferenis $32318.95-$32306.71=12.24 您好，可否一下Account 1的计算方法？按照我的理解，我会想列这个式子750*（1+3%/4）的12次方，请问是哪里有错误吗？谢谢！