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雷雷12322 · 2023年02月11日

还是不能理解怎么算先付年金呢

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.

我最近错的题目全部都是先付后付判断不对导致的 要不就是时间折现点的N算的不对,有容易理解的方法吗

1 个答案

星星_品职助教 · 2023年02月12日

同学你好,

根据题干中的“the first payment of the annuity is to be received today”,可以明确看出首笔现金流是在今天(today)发生,计算的也是“today's value”,所以是明确的先付年金。

至于年金是什么时候买的并不影响现值,现值看的是未来的现金流折现,只需要注意首笔现金流和今天的关系即可。

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