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小媛 · 2022年12月19日

can be recived today 意思不是于今天收到吗，不是今天存入呀，意思是多年前买的年金今天可以提取了，不应该是求fv嘛

  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.

can be recived today 意思不是于今天收到吗，不是今天存入呀，意思是多年前买的年金今天可以提取了，不应该是求fv嘛

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1 个答案

星星_品职助教 · 2022年12月19日

同学你好，

本题要计算的是“ today' s value”，也就是计算PV。

即从today这个时间点出发去看，这是一笔20年的先付年金，要计算这笔年金在今天的现值。

和年金在哪天买的已经没有关系了。

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