Kaip apskaičiuoti Effective Annual Rate
Kas yra Effective Annual Rate?
Effective Annual Rate (EAR), also called Annual Equivalent Rate (AER), is the actual annual interest rate accounting for compounding within the year. It allows comparison of loans or investments with different compounding frequencies.
Žingsnis po žingsnio vadovas
- 1EAR = (1 + r/n)^n − 1
- 2r = nominal (stated) annual rate, n = compounding periods per year
- 3Daily compounding always gives a higher EAR than monthly, which is higher than annual
- 4APY (Annual Percentage Yield) on savings accounts IS the EAR
Worked Examples
Įvestis
12% nominal, monthly compounding
Rezultatas
EAR = 12.68%
(1 + 0.12/12)^12 − 1
Įvestis
12% nominal, daily compounding
Rezultatas
EAR = 12.75%
(1 + 0.12/365)^365 − 1
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