2013年11月12日星期二

What's the difference between APY, API and other ratios?

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How come ALL THE FOUR of those rates are "equivalent" ???


10% per year.


Effective 10.25% per year, compounded semi-annually.


5% per year, compounded semi-annually.


Nominal 4.88% per year, compounded semi-annually.


The formula to convert from nominal to effective is:


=(1+(/))^−1


backward:


(/)=(1+)^(1/)−1



I am so confused, can anyone please give me some directions? A website, a blog, software application, or even an article or a book.


Any help is appreciated. Thanks!
  • Additional Details
  • I think i used the backward formula in the wrong way.


    10% nominal per year, is equivalent to


    5% nominal per half year (per compounding period), which is equivalent to


    (1 5%)^2 -1=10.25% effective PER YEAR, compounded semiannually.


    Backward Formula; effective to nominal ((i.e. nominal per compounding period))

    (1 10.25%)^(1/2) -1= 5% nominal per half year.

  • What's the difference between APY, API and other ratios?

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