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刘天沄 · 2022年10月08日

这道题pmt是-5000，我一直搞不清楚什么时候是用+什么时候-

  1. CFA I
  2. Quantitative

NO.PZ2015120604000011

问题如下：

An investor purchased an annuity many years ago. The first payment of the annuity is to be received today. Assume the payment of the annuity is $5,000 constanly , the period the payment is 20 years. and the discount rate is 12%, calculate the today' value of the annuity:

选项：

A.

$37,347.

B.

$403,493.

C.

$41,829.

解释：

C is correct.

Under the BGN mode.

N = 20; PMT = -5,000; I/Y =12; FV = 0; CPT PV = 41,828.89.

这道题pmt是-5000，我一直搞不清楚什么时候是用+什么时候-

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1 个答案

星星_品职助教 · 2022年10月08日

同学你好，

现金流的正负号只代表方向，即PMT和PV的方向相反。

本题PMT也可以设置为正值，此时求出来的PV就是负值。可以理解为PV是花钱去购买年金即流出，PMT是收到年金的支付即流入。

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