四喜丸子 · 2022年11月05日
NO.PZ2017092702000004
问题如下：
The value in six years of $75,000 invested today at a stated annual interest rate of 7% compounded quarterly is closest to:
选项：
A.$112,555.
B.$113,330.
C.$113,733.
解释：
C is correct
as shown in the following (where FV is future value and PV is present value):
FV = PV(1 + rs /m)mN FV6 = $75,000(1 +0.07/4)(4×6) FV6 = $113,733.21.
N=24，PV=-75000，I/Y=7/4=1.75，PMT=75000*7%/4，求FV。请问老师为什么正确答案中的PMT为0，谢谢老师。
NO.PZ2017092702000004问题如下The value in six years of $75,000 investetoy a stateannuinterest rate of 7% compounquarterly is closest to:A.$112,555.B.$113,330.C.$113,733. C is correctshown in the following (where FV is future value anPV is present value): FV = PV(1 + rs /m)mN FV6 = $75,000(1 +0.07/4)(4×6) FV6 = $113,733.21. 老师，这用EAR和用stateannurate 算是一样的吗？应该用哪个？
NO.PZ2017092702000004 问题如下 The value in six years of $75,000 investetoy a stateannuinterest rate of 7% compounquarterly is closest to: A.$112,555. B.$113,330. C.$113,733. C is correctshown in the following (where FV is future value anPV is present value): FV = PV(1 + rs /m)mN FV6 = $75,000(1 +0.07/4)(4×6) FV6 = $113,733.21. 这个问题中PV不是投资者的钱是出去的吗？不应该用-的吗？
NO.PZ2017092702000004 问题如下 The value in six years of $75,000 investetoy a stateannuinterest rate of 7% compounquarterly is closest to: A.$112,555. B.$113,330. C.$113,733. C is correctshown in the following (where FV is future value anPV is present value): FV = PV(1 + rs /m)mN FV6 = $75,000(1 +0.07/4)(4×6) FV6 = $113,733.21. （1）看了答案是用那个公式算的，上课时是不是说这个可以不用记，直接用计算器求呀？（2）想问这道题需要先求EAR吗？求出来EAR0.0719也约等于7%呀，以后遇到还要求吗？（3）我按的是I/Y=7/4=1.75，N=6*4=24，PV=75000，PMT=0，求出FV=113733，这样也求出正确答案了，但是看到你在其他问题下的解答里“2）PMT不是利息，PMT是在PV之外支付的等额现金流。例如本题除了“ $75,000 investetoy”之外，每个季度还都会再投资500，那么这500就是PMT。” 为什么PMT=500？
NO.PZ2017092702000004 问题如下 The value in six years of $75,000 investetoy a stateannuinterest rate of 7% compounquarterly is closest to: A.$112,555. B.$113,330. C.$113,733. C is correctshown in the following (where FV is future value anPV is present value): FV = PV(1 + rs /m)mN FV6 = $75,000(1 +0.07/4)(4×6) FV6 = $113,733.21. 1）如题；2）“investetoy”怎么理解；3）什么情况下要注意区分两者。谢谢。
