开发者:上海品职教育科技有限公司 隐私政策详情

应用版本:4.2.11(IOS)｜3.2.5(安卓)APP下载

返回

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？

添加评论
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

  • 1

    回答

  • 0

    关注

  • 552

    浏览
相关问题

NO.PZ2018091705000084 问题如下 Jacques purchases a US$100,000 favalue whole life polihannupremium of US$2,000, paithe beginning of the year. Polivin of US$500 per yeare anticipate payable year-en A cash value of US$32,500 is projectefor the enof Ye30. Jacques ha life expectanof 30 years ana scount rate of 5%. The net payment cost inx thJacques calculate is closest to: $17.22. $16.89. $15.24. C is correct. 考点: Net payment cost inx 解析&#xFF1The net payment cost inx假设被保险人在30年后死亡。计算net payment cost inx包括以下步骤: 为什么最后这个除以100？这个100是怎么得出来的？

2024-08-10 12:19 2 · 回答

NO.PZ2018091705000084 问题如下 Jacques purchases a US$100,000 favalue whole life polihannupremium of US$2,000, paithe beginning of the year. Polivin of US$500 per yeare anticipate payable year-en A cash value of US$32,500 is projectefor the enof Ye30. Jacques ha life expectanof 30 years ana scount rate of 5%. The net payment cost inx thJacques calculate is closest to: $17.22. $16.89. $15.24. C is correct. 考点: Net payment cost inx 解析&#xFF1The net payment cost inx假设被保险人在30年后死亡。计算net payment cost inx包括以下步骤: 怎么调begin 现金流?

2024-06-10 10:24 2 · 回答

NO.PZ2018091705000084 问题如下 Jacques purchases a US$100,000 favalue whole life polihannupremium of US$2,000, paithe beginning of the year. Polivin of US$500 per yeare anticipate payable year-en A cash value of US$32,500 is projectefor the enof Ye30. Jacques ha life expectanof 30 years ana scount rate of 5%. The net payment cost inx thJacques calculate is closest to: $17.22. $16.89. $15.24. C is correct. 考点: Net payment cost inx 解析&#xFF1The net payment cost inx假设被保险人在30年后死亡。计算net payment cost inx包括以下步骤: 题目中哪里可以看出是100份保险？

2024-01-07 19:49 1 · 回答

NO.PZ2018091705000084 问题如下 Jacques purchases a US$100,000 favalue whole life polihannupremium of US$2,000, paithe beginning of the year. Polivin of US$500 per yeare anticipate payable year-en A cash value of US$32,500 is projectefor the enof Ye30. Jacques ha life expectanof 30 years ana scount rate of 5%. The net payment cost inx thJacques calculate is closest to: $17.22. $16.89. $15.24. C is correct. 考点: Net payment cost inx 解析&#xFF1The net payment cost inx假设被保险人在30年后死亡。计算net payment cost inx包括以下步骤: 按基础班PPT304的解题步骤:FV of premium=139521.58,FV of vin33219.4230-yecash value=32500相减后得30-yeinsurancost=73802.16再用上面这个数字作为FV求PMT得annupayments=1110.83所以Inx=11.11.以上是根据基础班例题的步骤做的，为什么错了？题目答案中为何没有使用cash value 32500?

2023-08-01 08:49 1 · 回答

NO.PZ2018091705000084 问题如下 Jacques purchases a US$100,000 favalue whole life polihannupremium of US$2,000, paithe beginning of the year. Polivin of US$500 per yeare anticipate payable year-en A cash value of US$32,500 is projectefor the enof Ye30. Jacques ha life expectanof 30 years ana scount rate of 5%. The net payment cost inx thJacques calculate is closest to: $17.22. $16.89. $15.24. C is correct. 考点: Net payment cost inx 解析&#xFF1The net payment cost inx假设被保险人在30年后死亡。计算net payment cost inx包括以下步骤: 请问139521.58怎么计算出来的？

2023-06-17 15:37 1 · 回答