Question

 Потребитель имеет 10 000 $. Если он положит их в банк, то получит 10 600 $ через год. Инфляция составляет 4 %. Определите реальную ставку процента и сделайте вывод, эффективно ли будет вложение в банк данной суммы денег?

Answer 1

Ответ:

10600-10000=600$ проценты, следовательно 600$ это 6% от 10.000$

а значит процентная ставка равна 6% в год.

Если инфляция составляет 4%, то тогда от 6% по вкладу отнимаем 4%, получается 2% рост капитала в год, вклад эффективный

Answer 2

Calculation of Real Interest Rate

To determine the real interest rate and evaluate the effectiveness of investing in the bank, we need to consider the inflation rate and the nominal interest rate.

Given: - Initial amount: $10,000 - Nominal interest rate: 6% - Inflation rate: 4%

To calculate the real interest rate, we can use the following formula:

Real Interest Rate = (1 + Nominal Interest Rate) / (1 + Inflation Rate) - 1

Substituting the given values into the formula:

Real Interest Rate = (1 + 0.06) / (1 + 0.04) - 1

Calculating the real interest rate:

Real Interest Rate = 0.06 / 1.04 - 1

Real Interest Rate ≈ 0.0577 or 5.77%

Conclusion

The real interest rate, in this case, is approximately 5.77%. This means that after accounting for inflation, the effective return on the investment in the bank is around 5.77%.

Based on this information, we can conclude that the investment in the bank with a nominal interest rate of 6% and an inflation rate of 4% is still effective. The real interest rate of 5.77% indicates that the investment will provide a positive return in terms of purchasing power.

Please note that the actual effectiveness of the investment may vary depending on various factors, such as changes in inflation rates and other economic conditions. It is always advisable to consult with a financial advisor for personalized advice regarding investments.