6 Questions
Quelle méthode de calcul des rendements d'investissement se base sur le nombre réel de jours d'investissement ?
Méthode des jours exacts
Quel type d'institutions utilise généralement la méthode de conversion 360 jours pour les calculs d'intérêt sur les prêts ?
Banques et institutions financières
Sur quoi se base la méthode de conversion 360 jours pour simplifier les calculs d'intérêt ?
360 jours par an
Quel type d'investissements est souvent évalué en utilisant la méthode des jours exacts ?
Actions en bourse
Quelle est l'autre appellation de la méthode des jours exacts dans le calcul des rendements d'investissement ?
Méthode des années effectives
Quelle supposition est faite par la méthode de conversion 360 jours pour faciliter les calculs d'intérêt ?
Il y a 360 jours par an
Study Notes
Calculation Methods for Investment Returns: Exact Day Convention vs. 360 Day Conversion
Investments often involve calculations of annualized returns, compound interest, price-earnings ratios (P/E), dividend yields, returns per annum, or other growth rates. These calculational methods vary depending on whether you're using the exact day method or the 360-day conversion. Here is an overview of these two types of conventions used in investment return calculations.
Exact Day Convention
The exact day method is also known as the actual day method. It calculates the investment return based on the actual number of days the money is invested, or the number of days the investment is held. For example, if a stock is bought on the first day of the month and sold on the last day of the month, the investment has been held for 30 days, so the annualized return will be calculated based on 30 days. This method is used when the number of days is known, such as for stocks, bonds, or mutual funds.
360 Day Conversion
The 360-day conversion is a more common method used by banks and financial institutions when calculating interest on loans, mortgages, and other borrowed funds. It assumes that there are 360 days in a year, and all other years are either 365 days or 366 days (leap years). This method is used to simplify the calculation, as it allows the calculation to be made in a single division.
For example, if an investment is held for 125 days, the annualized return will be calculated as 125/360 * 100 = 34.72%. This method is used when the number of days is not known, such as for savings accounts, CDs, or other types of savings products.
In summary, the exact day method calculates investment returns based on the actual number of days the money is invested, while the 360-day conversion simplifies the calculation by assuming 360 days in a year. The choice of which method to use depends on the type of investment and the calculation requirements.
Découvrez les différences entre la méthode du jour exact et la conversion de 360 jours utilisées dans le calcul des retours sur investissement. Apprenez comment ces deux conventions affectent les calculs de rendements annualisés, d'intérêts composés, de ratios cours/bénéfices (P/E), de rendements de dividendes et d'autres taux de croissance dans le domaine des investissements.
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