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猫饼 · 2022年08月13日

题目要求有点不明确

  1. CFA I
  2. Quantitative

NO.PZ2015120604000170

问题如下：

A.J. plans to pay his child's tuition fee for four years starting 15 years from now. He estimates the fees is $22,000 per year. If the saving account interest rate is 5.5% annually, and how much payment A.J. should make at the end of each year from now?

选项：

A.

$3,441.23

B.

$3,800.07

C.

$4,009.08

解释：

B is correct.

Step 1: N = 4, FV = 0, I/Y = 5.5, PMT = 22,000, CPT PV = -77,113.30

Step 2: PV =0, N = 14, I/Y = 5.5, FV = 77,113.30, CPT PMT =-$3,800.07

所以根据正确答案，本题的意思是提前一年准备好tuition fee，四年使用完前面的deposit. 我理解成了4个annuity due＝15个ordinary annuity，以及最后一个deposit会和第一个学费无缝衔接，所以算不出正确答案。仅代表个人意见，谢谢！

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1 个答案

星星_品职助教 · 2022年08月13日

同学你好，

本题意为从15时间点开始，有4笔学费要付，问现在每年需要存多少钱，才能届时满足支付这四笔学费的要求。

解题思路为首先计算出这四笔学费的现值，这个现值是在14时间点的。只要每年存的钱经过复利后，在14时间点达到了四笔学费现值的这个金额，就可以足额支付这四笔学费现金流。

这类题目都按照上述思路进行解题。

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