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Simon · 2022年07月31日

PV和FV

  1. CFA III
  2. 个人IPS

NO.PZ2018091705000084

问题如下：

Jacques purchases a US$100,000 face value whole life policy has an annual premium of US$2,000, paid at the beginning of the year. Policy dividends of US$500 per year are anticipated, payable at year-end. A cash value of US$32,500 is projected for the end of Year 30. Jacques has a life expectancy of 30 years and a discount rate of 5%. The net payment cost index that Jacques calculate is closest to:

选项：

A.

$17.22.

B.

$16.89.

C.

$15.24.

解释：

C is correct.

考点: Net payment cost index

解析： The net payment cost index假设被保险人在30年后死亡。计算net payment cost index包括以下步骤:

老师，想请教一下，这一题为什么要先算FV再算PV呢？如果第一步计算premium和dividend时，设定FV=0，求PV，可以吗？

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1 个答案

王暄_品职助教 · 2022年07月31日

因为Premium是先付，Dividend是后付，他们是不统一的时间点

所以我们要先求出premium的FV（注意这里要调成BEG，因为这里是先付）

然后我们再求Dividend的FV（注意这里是END，因为dividend是后付）

接着我们求净值：FV of premium-FV of premium

再将得到的净值FV，以先付年金的方式求PMT

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